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WANT $0 DOWN CAR INSURANCE?

Check your eligibility today!

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®.

THE FIRST CREDIT-BUILDING AUTO INSURANCE

a woman and a girl smiling

WHY BUILDING YOUR CREDIT SCORE MATTERS?

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)

5 STEP APPLICATION, EASY!

1.
Get your estimated quotes for free without giving your last name.
2.
Enter information about your car and decide which drivers you want to insure.
3.
Compare final prices and coverages, no more bad surprises!
4.
Sign your policy online and get your Proof of Insurance. Whooo!
5.
With every on-time payment you make, you build your credit score*.

INTRODUCING SMART PAYMENTS

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.

FAQs

What is OCHO?

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.

What is OCHO Pay?

At a glance: OCHO Pay is the name for our car insurance financing. 

➡️ As a marketplace, we offer our customers the best car insurance options from our selected insurance companies. 

➡️ ️Once you choose an option you like and sign the paperwork, we pay for your insurance with a 0% APR loan. 

Because it’s a 0% APR loan, we can offer you incredible benefits, only available at OCHO:

➡️ We lower the down payment for everyone. Insurance companies usually need a down payment of up to 50%.

➡️ You can pay us back in smaller payments that match your paycheck to help you budget. 

➡️ We report your payments to the credit bureau. This is how we give you the tools to build your credit score, provided you make your payments on time.

Is OCHO setting my insurance prices?

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 company 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.

Why didn’t I get a $0 down payment?

Some of our customers were successfully approved for and received a zero-dollar down payment

There are many factors that go into making a $0 down decision, so it will differ for each applicant. What makes OCHO special is that no one loses! The remaining customers made an average upfront payment below $100. This amount is less than half of what they would have had to pay without using OCHO's services (OCHO Pay). Sometimes insurance companies even ask for 50% of the total premium. 

OCHO's mission is to make insurance more accessible for everyone, and this includes you.

How does OCHO help me get the lowest rates?

First of all, Ocho is different. 

To apply for car insurance, you give information about yourself, your car, and your driving history. Then, you get a quote. Based on this first quote, you select the quote you like and you are redirected to that insurance company’s website to input more information. 

Eventually, you receive one final price from that specific insurance company. If satisfied, you make a down payment and start your policy. Yet, if you dislike the final price, you must start over with a new carrier and re-enter your information. 

It's frustrating, right? In this process, you are only comparing insurance companies based on their first quote, not their final prices. 

At OCHO, you can compare insurance prices twice and choose the best carrier for your final price. This process makes sure you see accurate prices from all carriers, not just one.

And, if you still don’t like your final price, OCHO allows you to run another final price on a 2nd insurance company. You then get to select the best of both options. OCHO’s unique process produces real savings for its customers.

Gloria K.
Five Stars

Totally legit and you don’t have to put any money down and they give your proof of insurance the same day. You are insured in a matter of just minutes. I have them and I love it. And a bonus is they actually answer the phone and customer service reps speak English clearly and are very polite and helpful. Also you pay when you get paid so need to worry about your insurance being due in-between pay periods.

Mandy M.
Five Stars

The ease of use for the website and application process is awesome. As a former insurance salesperson, I have to say this is definitely the future of insurance and it is amazing to finally have an option that helps build credit. I'll definitely recommend!

Sylvester R.
Five Stars

Easy to get insured with OCHO! And you are also building your credit. They found me a great policy that was affordable no down payment. If your struggling with finding car insurance give OCHO a shot they are worth it.

Amanda E.
Five Stars

Amazing company! Love everything you guys are doing to help people

Rebecca P.
Five Stars

I love that it started my policy and is allowing me to pay when I get paid. I'm very thankful.

WHY STAYING INSURED IS YOUR #1 PRIORITY?

Did you have car insurance before, then miss a payment and it was canceled? And then you were uninsured for a while before you got insured again? This on and off behavior is called spotty prior insurance and DOES NOT help you get better car insurance rates. It's very important that you STAY INSURED and not lose insurance coverage 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, which means your policy is put back into effect. Please look carefully at your coverage details for information on your policy and reinstatement, because these details vary depending on the policy and the insurance carrier. Many carriers give you about 30 days after your policy is canceled to reinstate your policy. Usually, you have to catch up on all your payments to do so. It’s worth it because reinstating is generally like you were never canceled, and means that you stay insured. But it can come with a cost. Many carriers charge a fee to make a reinstatement and many brokers do as well. The best thing is to avoid a possible fee and to just keep paying so that you can stay insured.

Partnering with the best

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