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OCHO: THE NEW, EASY WAY TO BUY INSURANCE
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Why choose between paying your bills and having car insurance?
Think of us as two companies in one
$0 down car insurance is real, and it's available only at OCHO
Coverage that gives you breathing room
- A lower down payment - some even get $0 down!
- Split payments. Pay us when you get paid.
- Extra time to pay. No late fees.
- Instant proof of insurance.
- Build your credit score with each payment.*
FAQs
OCHO is a car insurance agency with a difference. We're like a bridge between you and insurance companies.
This is how we simplify your insurance experience:
We search for the best deals from our partner insurance companies and show you as many policy options as possible. After you choose your coverage, we finance the initial payment insurance companies need to start your policy. We provide a 0% APR loan for this upfront cost.
Why is that so good?
- It means you get a lower down payment. Many insurance companies charge up to 50% of the total policy. With the cost of insurance policies rising generally, it’s a lot of money - it makes you think twice about buying insurance. With OCHO Pay, you can lower this upfront payment to make it manageable, and in many cases, you can even qualify for $0.
- You pay us back in smaller amounts, aligned with your paycheck cycle, to help you budget effectively.
- Even better - we are the first and only car insurance agency where you can build your credit score with every on-time payment you make.
We do this because we know how hard it can be to come up with a big lump sum for a down payment. We want you to stay safe and have the ability to access the car insurance you need.
No. OCHO is not an insurance company that sets your car insurance rate. These rates are beyond our control; the prices you see are from the insurance companies we work with.
Instead, OCHO is an insurance agency or “broker” committed to finding you the lowest price and best option.
Here's the most exciting part: OCHO is the only agency that offers to reduce your down payment, and we lower it for 100% of our customers. You won't be able to find a lower auto insurance down payment anywhere else.
We promise we’re real, here are all the lovely team members that work hard to create OCHO for you!
OCHO was founded to help hardworking people afford their insurance. Our team works tirelessly every day to get you the best insurance deal and ensure a smooth, stress-free experience.
You can also see our licenses for each state in the following link: https://www.ocho.co/licenses
