The phrase often describes thoughts or ideas that appear spontaneously, without active thinking. While jogging, it suddenly occurred to me that I knew the answer.
Pro Tip 2/3
Inspiration Moment
Use 'occur to' when describing a moment of inspiration or a creative spark. An amazing book plot occurred to me during my flight.
Pro Tip 3/3
Personal Insight
Use 'occur to' for personal realizations not necessarily obvious to others. It never occurred to him that she could be unhappy at her job.