Erie Insurance vs Occidental Car Insurance

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Last Updated: January 2022


Insurify Composite Score

Erie Insurance
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Insurify Composite Score

Not Rated
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Insurify Composite Score

Erie Insurance VS Occidental
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User Ratings
OptionsErie Insurance Occidental
224 reviews
1 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsErie Insurance Occidental
Local AgentAmong the best--
Overall SatisfactionAmong the best--
Policy OfferingsBetter than most--
PricingAmong the best--
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsErie Insurance Occidental
Claim ServicingBetter than most--
Estimation ProcessAmong the best--
First Notice of Loss (FNOL)Better than most--
Overall SatisfactionBetter than most--
Rental ExperienceAmong the best--
Repair ProcessAmong the best--
SettlementBetter than most--
J.D. Power Ratings by Region (out of 1000)
RegionErie Insurance Occidental
Mid-Atlantic854 pt
Among the best
North Central845 pt
Among the best
Mobile App Ratings
RegionErie Insurance Occidental
4 Reviews
Financial Ratings
OptionsErie Insurance Occidental
A.M. BestA+--
Standard & Poor'sA--

Auto Insurance Quotes

For Married Drivers

CityErie Insurance Occidental

For Single Drivers

CityErie Insurance Occidental

For Male Drivers

CityErie Insurance Occidental

For Female Drivers

CityErie Insurance Occidental

For Drivers with Speeding Ticket

CityErie Insurance Occidental

For Drivers with No Speeding Ticket

CityErie Insurance Occidental

For Drivers Age Between 18-40

CityErie Insurance Occidental

For Drivers Age Between 40-65

CityErie Insurance Occidental

For Drivers Age of 65+

CityErie Insurance Occidental

For Drivers with Average Credit

CityErie Insurance Occidental

For Drivers with Fair Credit

CityErie Insurance Occidental

For Drivers with Good Credit

CityErie Insurance Occidental

For Drivers with Excellent Credit

CityErie Insurance Occidental

Quotes & Discounts

Discount typeErie Insurance Occidental
Multiple VehicleUp to 15%--
PrepayUp to 7%--
Anti-Theft DeviceUp to 5%--
Anti-lock BrakeUp to 5%--
Accident ForgivenessVaries--
Defensive DriverVaries--
Feature 15Varies--
Good DriverVaries--
Low MileageVaries--
Multiple PolicyVaries--
Passive RestraintVaries--
Senior AdultVaries--
Student Away at SchoolVaries--
Youth DrivingVaries--
Youth LoyaltyVaries--

Payment Methods

Discount typeErie Insurance Occidental
Automatic Online Payment
Bank Payment/Direct Deposit yes--
Credit Card Payment yesyes
Debit Card Payments yesyes
In Person Payment
Mail Payment
Online Payment
Person 2 Person Payment yes--
Phone Payment

Features and Services

Features and ServicesErie Insurance Occidental
24/7 service--yes
Diminishing deductibleyes--
Flexible / convenient payments--yes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesErie Insurance Occidental
Accident Forgiveness
Better Car Replacement
Emergency Assistance Coverage
Emergency Lockout Coverage
Glass Coverage yes--
New Car Replacement Coverage
Personal Auto Plus
Pet Coverage
Rental Reimbursement
Roadside Assistance
Vanishing Deductible

Insurance by State

Online Quoting by State

  • Erie Insurance
  • Occidental
  • Both

Uber and Lyft driver insurance

  • Erie Insurance
  • Occidental
  • Both

SR‌-22 Insurance by State

  • Erie Insurance
  • Occidental
  • Both

Compare Insurance Products

ProductErie Insurance Occidental
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyes--
Business InsuranceBusiness Insuranceyes--
Condo InsuranceCondo Insuranceyes--
Home InsuranceHome Insuranceyes--
Identity Theft InsuranceIdentity Theft Insuranceyes--
Life InsuranceLife Insuranceyes--
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Renters InsuranceRenters Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyes--

User Reviews

  • Erie Insurance Reviews
  • Occidental Reviews
5 Stars
53 %
4 Stars
11 %
3 Stars
8 %
2 Stars
6 %
1 Star
22 %

Most Positive Review

By Olga
Because they have the best rate in the market and exceptional customer service

Most Critical Review

By Myra
Never had to use the service except pay my bill (I am accident free). Monthly payment is kind of high.

All Reviews

Showing 1 - 10 out of 224 Reviews
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Read reviews that mention

Easy to work with. Great agent experience.
Erie is fantastic to deal with! The service is great as are the rates. I have shopped around and they always come out on top with the best rates. The coverages on the auto and home are also very good. My auto deductibles are now zero and my home has coverage for underground lines and a warranty type of coverage. I highly recommend Erie! I had a claim on lost jewelry with them and it was paid in no time with no hassle what so ever!
Cheaper for two vehicles than one don't make no sense
It's just a numbers thing. I'm looking for a better price, and they wont provide one. I have a very good driving record, and I should be paying less than what I am curremtly
Been dealing with them since 7/24/18 when one of their insured hit us. After calling multiple times and leacing messages with no call back for months in end. I decided to file a report with the Indiana Insurance Commissioner. That got the ball rolling for a few calls. Was told I would get a call back in 2 weeks that was 6 weeks ago. If you gwt hit by someone with Erie it is probably smart to lawyer up from the get go.
Jeffrey C
My review is in reference to an automobile claim. I am not an Erie customer; however, I was rear-ended by an Erie client. I had a new Ford Explorer. I was hit so hard the rear hitch came up through the back seat. Erie paid the initial damage. I went to my Ford dealer to get it fixed. My Ford dealer said that I should pursue Erie for a "diminished value claim" since now my car was in a 'major" accident Ford would not take it on a trade-in, and most places will not since it is now in carfax as being in a major accident. I called Erie, they wanted to know how I knew about "diminished value" they then tried to talk me out of it, but I was persistent and they sent me to their recommended person, so I called, made an appointment, this cost me $300.00 dollars and three hours of my time ! When I submitted the report to Erie they offered me substantially less. I argued that this was your guy who said my diminished value claim was more ! They rudely told me to go and sue if I did not like it, which means I have to sue the other driver, which is their customer. I would NEVER use Erie after this.
Brandon P
This company is a joke. After having an adjuster come out and look at our house due to storm damage. We were lied to, the adjusters were extremely rude and disrespectful, and they damaged our house with the equipment they used. Several other neighbors were able to get claims with Erie Insurance due to storm damage, but we were lied to, after being told by numerous restoration companies that we do have damage. Our insurance agent made a sexist remark to my wife, and then we made a complaint to the Erie regional manager and he told us that they were not going to do anything about any of the complaints due to lack of evidence. I WOULD NEVER recommend ERIE as an insurance company to anybody.
Showing 1 - 10 out of 224 reviews


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

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With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.