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Occidental Auto Insurance Review
If you are planning to buy an Occidental Auto Insurance policy, you will be proud to know that you will be getting car insurance services from one of the best auto insurance companies. Compare auto insurance options with a FREE quote comparison today!
Occidental’s auto insurance review rating stands at A-, as given by A.M. Best, a leading insurance rating company and watchdog.
There are numerous ways through which you can purchase an Occidental policy; through the company directly or through an affiliate re-insurer. Either way, you have to find out who is offering cheap auto insurance that covers you well, and the best way to do so is by comparing rates between providers.
Occidental Car Insurance Policies
There are a number of types of auto insurance you will be offered to as an Occidental Car Insurance customer.
Available policies include:
- Bodily injury liability
- Property damage
- Personal injury protection (PIP)
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
Bodily injury liability provides protection in the event that one or more people get injured in an accident where you are found to be at fault. It also covers death over the same.
Property damage liability provides compensation for goods or items damaged while using the vehicle.
Personal injury protection provides coverage where you and/or your passengers get hurt or die in an accident. This policy also covers pedestrians who may get caught up in the accident. If you are looking for a policy that will provide absolute medical-related compensation, this is the policy to go for.
Collision coverage pays for damage to your car following collision with another car.
Comprehensive coverage provides protection against most conceivable risks, including but not limited to weather conditions, theft or vandalism, fires, natural calamities and all forms of road accidents.
Underinsured/uninsured motorist coverage will protect you and your vehicle should you get involved in an accident with an uninsured or underinsured driver.
Additional Coverage from Occidental
Below are the extras you get at no additional cost:
- Rental reimbursements, where the insurer provides a rental car for use when your car is unavailable
- Towing options, if you ever need it
- Roadside assistance, which includes gas provision, battery jumps, tire changes and towing
Ways to Save on Auto Insurance
There are a number of auto insurance discounts through which you can enjoy savings off your car insurance policy.
They include:
- Higher deductibles
- Larger down-payments
- Paying premiums on time or early
- Defensive or advanced driving courses
- Safe driving
Advantages of an Occidental Car Insurance Policy
There are numerous advantages of purchasing a car insurance policy at Occidental.
Here are some of them:
- Having the Right Coverage: You will have the privilege of choosing a car insurance policy that is specifically suited for your driving needs.
- Reliability: The company has been around for over 50 years, building a good reputation along the way. You will enjoy peace of mind in knowing that your money is in good hands and you will receive the rightful service for it. Performance projections for the company have been positive and it continues to increase its customer base across the country. There is no fear of bankruptcy, but even if that were to happen, you would be protected by a national insurance back up service Occidental has subscribed to.
- Great Customer Service: Occidental is committed to making their customers happy. To do that, they avail themselves for assistance at every opportunity. You can easily access them on phone or via email. If there is an Occidental office near you, you can always pop in for speedy service. Most services are now online, which makes it easy for you to purchase or renew your policy no matter where you are. Motorists who travel a lot will find this service pretty convenient and helpful.
- Fair Settlements: You have probably heard of companies that only settle one in every 20 claims. With Occidental, you can be certain that your claim will receive a fair assessment and you will be compensated accordingly if you qualify for it. Only extreme cases of misappropriation are denied payout, which doesn’t happen often.
Compare Quotes for the Best Offer
To find the best deal on Occidental car insurance policies in your area, compare quotes as offered by different agents and re-insurers. This is the only way to ensure that you receive the best rates on your car insurance. Compare FREE auto insurance quotes today with our ZIP code search!
You can use our comparison website for instant results. You will receive your quotes in minutes, and they will be presented in an easy-to-compare format. Remember to give only accurate details of your driving and car history so as to get a close estimate on your quote.
Quotes vary from place to place depending on a number of factors. This explains why a driver with similar driving statistics to yours in another state would pay more or less than what you end up paying.
Some of the factors that may influence the quote on state-level are:
- Cost of living
- Insurance regulations
- Risk level
On individual level, you can increase your chances of getting lower car insurance costs by going for a cheaper car as opposed to a high-value, high-risk one, maintaining a clean driving record and choosing less coverage.
Other factors which, unfortunately, you have no control over are:
- Age
- Gender
- Location/residence
- Car model
- Car use
Comparing quotes from different companies helps you to find out who is offering better rates, the above factors not-withstanding. Start today with our FREE quote comparison tool!