APPLY NOW FOR CAR Insurance with $0 Down Payment**

A Fair Start

Did you know that the cost of your car insurance down payment can be as much as 50% of your total policy? That means that you pay 3 months upfront, and on top you have a broker fee that sometimes can be as high as $200. This is why, at OCHO®, you can apply to lower your down payment. On average, we lower your down by $200! And you may even qualify for $0 down! Plus with every on-time payment you make, you can build your credit score! Why not give it a try? Apply now.

3 benefits of getting your auto insurance with ocho®

You say goodbye to down payments**

With OCHO® you can apply for $0 down. See if you qualify!**

YOU Stay insured to lower your rates

If you make your payments on time, you may see your rates decrease and save money. That’s why with OCHO®, we help you to make them on time by aligning your pay check schedule to your insurance payments.

You build your credit score*

Your credit score can have a big impact on how much you pay for your insurance (and many other things). Build your credit with every payment you make on time with OCHO®.


a woman and a girl smiling


Credit scores are so important to our financial lives in America, yet so hard for many to fix, repair or build from scratch. We don’t think this is fair. The reality is that not everyone has the same opportunity to build a strong financial future. At OCHO®, we believe in giving everybody A FAIR START. For the first time in the history of insurance, you can build your credit with every payment you make*. We call this “credit-building insurance”.

What a good credit score can help with?

OCHO® can help you build your credit score with every payment*. A good credit score means:

  • Lower insurance premiums
  • Get approved for a car loan or a mortgage
  • Lower security deposit for rent
  • No more deposits for utilities
    (cell phone, energy, water)


Get your estimated quotes for free without giving your last name.
Enter information about your car and decide which drivers you want to insure.
Compare final prices and coverages, no more bad surprises!
Sign your policy online and get your Proof of Insurance. Whooo!
With every on-time payment you make, you build your credit score.


OCHO® PAY is the smart way to pay for your insurance.

  • Pay smaller bi-weekly payments
  • Sync-up your payments with your paychecks
  • $0 down payment** and $0 upfront fees
  • Get easy to understand and transparent quotes
  • Compare your insurance options on final prices

Smarter payments + better budgeting = more savings!

Choose your payment date
Manage your budget to avoid gaps in your insurance and your rates to go up.



Did you have insurance before, then miss a payment and it was canceled? And then you drove around for a while without it and later got insured again? This off and on behavior is called spotty prior insurance and DOES NOT help you reduce your rates. It's very important that you STAY INSURED and do not get canceled for missing a payment. Having consistent prior insurance is an important variable in reducing your auto insurance rates. OCHO® helps you with this by allowing you to make smaller payments every two weeks matched to your paycheck cycle. The idea is to stay insured and never miss a payment. And if you absolutely have to miss one because you lose your job or have a family emergency, then make sure to reinstate your insurance. Most carriers give you 30 days after you are canceled to reinstate. That is your last chance but usually you have to catch up on all your payments to do so. It’s worth it because reinstating is like you were never canceled. But it comes with a cost. All carriers charge a fee to make a reinstatement and most brokers do as well. The best thing is to avoid a fee and to just keep paying without being canceled.

Partnering with the best

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