Car insurance shopping can feel like navigating a maze. Ever pick what seems like the perfect plan, only to watch the quote skyrocket at the last moment? You’re not alone.
One of the most frustrating parts of watching the quote surge is realizing you’ve already invested so much time answering countless questions and you’re stuck with a single insurer. They quote you one thing but deliver something entirely different. If you want to check another option, you have to start the whole process from scratch. Ugh!
At OCHO, we understand how painful this process can be. That’s why we’ve created something revolutionary—PriceCheck, a tool designed to get you not just one, but two final quotes to help you lock in the best deal. After delivering over 200,000 quotes, we’ve learned that the only way to guarantee you're getting the best price is to compare two final quotes.
And the results speak for themselves: on average, 58% of OCHO customers save $600 more when they use PriceCheck!
In a world where insurance prices keep climbing (up 51% since 2019—unbelievable, right?), we’ve made it our mission to help you secure the best deal every time. Whether you’re tired of high prices, wasted hours, or unreliable quotes, we’ve got your back.
Car insurance is complicated, there are no two ways about it. To understand how helpful our PriceCheck tool is, we’ll need to geek out a little bit.
Each insurance company uses its own unique algorithm and risk model to calculate your quote. These models can change frequently and rely on a lot of external, sometimes outdated data, such as your credit report, prior insurance history, and motor vehicle record (MVR). Ultimately, it can feel like a roll of the dice.
Some insurance companies even bank on you not wanting to go through the hassle of starting the whole process again with another insurance company, so they start with a low quote, leaving you stuck paying much more than you initially expected. Not cool!
Let’s get a simple overview of the quote process.
That first quote is the one that looks great in the beginning. But don’t get caught up with first quotes, they always change! The final quote is the only quote that matters.
The insurance company asks you some very basic questions to create a first quote, like your:
This first quote is based on the information you give the insurance company, but it hasn’t been verified by them yet. There’s no way an insurer will give you a final quote until they’ve checked out your reports. And that brings us to the explanation of how a final quote is reached.
The insurance company runs checks and buys reports to validate what you’ve said so far in the quote process. These reports can include:
Motor Vehicle Report (MVR):
Claims History Report:
Current Carrier Report
Credit Report (in certain states):
Driving Behavior Data (Telematics):
Fraud Databases:
Once they’ve pulled all those reports, they practically know what you had for breakfast three years ago—and that’s when the price jumps. The reality is, your rate almost always changes after those reports are reviewed. With so many dates and details to keep track of, even a forgotten missed payment from the past can come back to haunt you.
At OCHO, we believe you deserve better. We introduced the PriceCheck feature to bring peace of mind and savings to our customers. Getting final quotes to compare isn’t easy. The only way to do it is by going through each insurer’s entire process individually, which would take days of your time. Until OCHO invented PriceCheck!
Isn’t that what insurance agents are meant to do? I hear you cry. Yes and no. Agents use the same systems you would to generate an initial quote, so the starting point is essentially the same. Where an agent might help is by running an extra quote or two if you ask them to—but it still depends on how much time they’re willing to spend and how many companies they work with. While they might help you compare a couple of options, it's not a guarantee you'll see every possible rate out there.
Yes, for first quotes there are many (Zebra, Insurify, etc.), but not for final quotes -- and that’s what sets OCHO apart. OCHO is a new type of agency that does the hard work for you. Our PriceCheck tool gives you the power to compare two final quotes side by side. You’ll either feel confident knowing you picked the best price, or you’ll save even more money.
Getting an accurate car insurance quote can feel like a total gamble. The best way to guarantee you're getting the best deal is to compare two final quotes—and OCHO is the only place that makes that possible.
No more wasting hours or days chasing down quotes. OCHO automates what a live agent would do, but faster and better. And because we believe everyone deserves a shot at saving, we make it easy for you to try.
If there’s a chance to save $600, shouldn’t you take it? 58% of our customers already do. The way to win is simple: compare two final quotes. OCHO is the only way to do that.
The best part of PriceCheck? Knowing you’re never overpaying.
Even if the price doesn’t change, that peace of mind is priceless. And we know this because customers who receive a higher quote after using PriceCheck are 2x more likely to choose OCHO than those who receive a lower quote. So whether you save big or confirm you already got the best deal, you’ll walk away knowing you made the right choice.
Why should you trust OCHO PriceCheck for your final car insurance quote?
Maximized Savings
With PriceCheck, you can rest easy knowing you’re not overpaying for car insurance. Our feature ensures that your quotes are always optimized, saving you money in the long run. 6 out of 10 OCHO customers save money by comparing final prices before making their decision!
Peace of Mind
Trust is vital, and with OCHO, you can trust that we’re looking out for your financial best interests. You have enough on your plate—leave the worry of fluctuating insurance rates to us. PriceCheck is our answer to that challenge, a tool that guarantees transparency and fairness in an industry that often lacks both.
Save Your Time
Gone are the days of endlessly searching for better rates. PriceCheck means you don’t need to shop around on your own. We do the legwork while you enjoy the results.
This approach is completely unique in the car insurance world—you won’t find it anywhere else!
Why do we do this? Because we believe in putting our customers first. If another insurance company offers a better deal, we’ll help you find it. OCHO exists to challenge the outdated practices of the insurance industry and deliver you real value–finally! Everyone deserves access to affordable, reliable insurance, and we’re here to make that a reality.
Curious about where to find PriceCheck? Here's a simple guide:
When you get your Final Quote, click the button to run PriceCheck and get a 2nd final quote for a clear side-by-side comparison.
On average, every customer saves $100 with the PriceCheck feature. That’s real money back in your pocket—money that can go toward things that truly matter to you. Whether it's an extra dinner out, adding to your savings, or simply easing monthly expenses, these savings make a real difference. When you choose OCHO, you’re not just getting insurance; you’re getting a partner who genuinely cares about your financial health.
Q1. What is OCHO PriceCheck?
A revolutionary car insurance comparison tool designed to get you not just one, but two final quotes to help you lock in the best deal. We’ve learned that the only way to guarantee you're getting the best price is to compare two final quotes.
Q2. How much can I save?
On average, OCHO users save $100+ compared to traditional car insurance quotes and 58% of those who use PriceCheck even pocket $600 or more!
Q3. Does it cost anything to use PriceCheck?
Nope! OCHO PriceCheck is 100% free to use once you sign up.
Q4. Is my personal data safe?
Absolutely. OCHO prioritizes your privacy and uses secure encryption to protect your information.
Q5: What factors influence my car insurance rate?
Insurers consider personal details like your age, address, and driving history, as well as vehicle information such as make, model, and safety features. Credit score and your insurance history also impact price in a big way in most states. OCHO helps ensure you’re always getting the best rate, no matter the factors.
Are you ready to optimize your car insurance quotes? Find out how much you could save with OCHO PriceCheck today.
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