Getting cheap car insurance quotes shouldn’t be this hard. But between rising premiums, big deposits, and pay-in-full discounts that only help people who can afford to pay hundreds (or thousands) up front, most drivers end up paying more than they should.
At OCHO, we’re fixing that. Our mission is to make car insurance simple, affordable, humane, and stress-free — no matter your income, credit, or financial situation.
And now, we’ve launched something brand new to help you get the lowest possible price on your policy: Paid-in-Full Financing, a first-of-its-kind way to unlock your pay-in-full discount without paying in full.
Let’s break down how it works , and how it helps you finally get truly cheap car insurance quotes.
It’s a system that quietly penalizes people for being on a low income, and it’s why so many struggle to find truly cheap car insurance quotes.
OCHO already helps thousands of drivers get insured with low or even $0 down.
Now we're going further.
This new program lets you unlock your carrier’s pay-in-full discount, even if you don’t pay in full.
Here’s how we make it happen:
👉 No interest
👉 No hidden fees
👉No credit required
Just the lowest possible price — without the giant upfront cost.
This is how we turn high-cost quotes into cheap car insurance quotes for people who otherwise wouldn’t qualify for the best prices.
Unlock the biggest discount insurers offer — the pay-in-full discount — without draining your bank account.
Your payments to OCHO are smaller, easier, and interest-free.
No more cancellations caused by high deposits or overwhelming monthly bills.
We’re here to make the relationship with your money better:
simple, safe, flexible, and built around your real life.
Getting started is fast, simple, and free.
While not everyone will qualify for zero down car insurance, OCHO makes it accessible to more drivers than traditional insurers. Here's what helps your chances of approval:
Valid driver's license (in most cases)
Don't assume you won't qualify because of past financial challenges. OCHO specifically designed our zero down options to help drivers who might be rejected by traditional insurers requiring large upfront payments.
So you get the best of both worlds: the lower price that comes with paying in full, and the flexibility of paying over time. It’s an incredible deal that helps you save money and stay insured without financial stress.
Right now, this new service is available for a small number of customers in Arizona, Georgia, Texas and Washington. To find out if you qualify, simply complete your insurance application, and our system will automatically check and let you know if you are eligible once you confirm your final quote.
Expansion is already in the works — more states and more carriers are coming soon.
Check your eligibility today to see how much you could save and get your cheap car insurance quote with OCHO.
Understanding how OCHO’s affordable car insurance differs from traditional approaches helps you make an informed decision:
These discounts are just a little extra way OCHO helps you save while spreading the word about affordable, flexible car insurance.
With OCHO, pay-as-you-go insurance isn’t a gamble. It’s a smarter, more sustainable way to stay insured and save. Our approach removes the stress, unpredictability, and invasiveness of other models, delivering affordable coverage tailored to your long-term goals.
OCHO isn't just another insurance agency. We're pioneering a new standard that helps hardworking people afford insurance without financial strain. Our approach addresses the real challenges faced by drivers living paycheck to paycheck:
If cash is tight, we'll cover your payment upfront and give you extra time to pay—up to two weeks additional grace period.
Stay consistently covered with OCHO for just 12 months, and you can graduate out of the high-risk category—cutting your costs even further in the future.
Unlike companies that hike rates at renewal, OCHO actually reduces the broker fee when you renew, making it easier than ever to stay protected while keeping costs low.
OCHO currently operates in multiple states, and our new Paid-in-Full financing program is live with select carriers in Arizona, Georgia, Texas and Washington.
Premium financing usually charges high interest and fees.
OCHO’s full-pay financing is interest-free, transparent, and designed to lower your cost — not add to it.
Yes. Always. No interest, no hidden charges.
Your insurer simply receives a normal full-payment from OCHO.
You get the pay-in-full discount — that’s it.
Yes, OCHO works with drivers across the credit spectrum. While your credit history may affect your overall premium rate, our zero down options remain available to many drivers with less-than-perfect credit. We believe insurance accessibility shouldn't depend on past financial challenges.
Ready to experience the freedom of zero down car insurance? Enter your zip code below to see your customized options and get covered today—with absolutely nothing down.
When you choose OCHO, you're not just getting insurance. You're getting peace of mind and the financial flexibility you deserve.
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