I was able to pay a lower down payment and to find an insurance policy that worked for me in a fraction of the time it would normally take! I am happy I gave OCHO a chance. I have seen the ads for the... Se mer
Även om vi inte verifierar specifika påståenden eftersom omdömeslämnarnas åsikter är deras egna, kan vi märka omdömen med en ”verifierat”‑etikett ifall vi kan bekräfta att en företagsinteraktion har ägt rum. Läs mer
För att skydda plattformens integritet granskas både verifierade och overifierade omdömen av vår automatiserade programvara som är tillgänglig dygnet runt. Tekniken är utformad för att identifiera och ta bort innehåll som bryter mot våra riktlinjer, inklusive omdömen som inte är baserade på en äkta upplevelse. Vi är medvetna om att vi inte kan lägga märke till allt. Det går att flagga sådant som du tror att vi kan ha missat. Läs mer
Det här tycker kunderna
Excellent!!! Price and low down payment lowestbive ever experienced! My monthly is split into easy payments around my pay periods! I love it! And I have roadside assistance too!
Företaget har svarat
Bruh it was quick as hell had insurance in less then 3 hrs and I'm saving like 80 bucks while haves the same exact coverage man come on mane say less
Företaget har svarat
I am very impressed with my Ocho experience. Not only did they cut out all of the unnecessary sales pitches but they cut to the chase in a timely fashion. They got right to Business. I was able to get... Se mer
Företaget har svarat
Företagsinformation
Skrivet av företaget
Welcome to OCHO. We’re building a better way to get insured—one that works for real life. We help you find coverage through our marketplace, then make it easier to start and stay insured with flexible payment options through Ocho Pay. That means lower upfront costs, split payments, more time when you need it, and even a chance to build your credit along the way. We believe insurance shouldn’t set you back. It should help you move forward. OCHO is currently available in TX, AZ, IL, WA, MO, GA and NM. Insurance, built around you.
Kontaktuppgifter
4,5
Utmärkt
248 omdömen
Ber kunder att lämna omdömen
Detta företag bjuder in sina kunder att lämna omdömen – oavsett om de är positiva eller negativa
Har besvarat 100 % av sina negativa omdömen
Svarar vanligtvis inom 1 vecka
Så använder företaget Trustpilot
Se hur deras omdömen och betyg hämtas, betygsätts och modereras.
I switched from USAA because their…
I switched from USAA because their website was quite old school and I wasn't getting the best deal.
For those unfamiliar. Ocho seems to be some service that finds you an insurer, but they aren't an insurer themselves. They seem to have found me a better deal than the other quotes I found onmy own. The website is easy to use. No issues so far.
It is noteworthy that they don't have much of a grace period on late payments, but they remind you thoroughly, and the one time I paid too late, they helped me re-sign up without my rate going up.
1 juni 2026
Svar från OCHO
Frank, we’re so glad you found OCHO and that we could help you find a better deal!
One thing we’d love to clarify for you and other drivers reading this: OCHO offers a free grace period of 10 days anytime you miss a payment. This grace periods costs us money because we pay those days of insurance for you. But, we do it to help you avoid cancellations and keep your record of continuous coverage.
If you need more time beyond the initial 10 days, OCHO offers 1-4 days extra, but we ask you to make a small payment towards those extra days. No other broker or carrier will give you extensions as generously as OCHO does.
We know life doesn’t always go to plan, so we want to give our customers a little extra breathing room when they need it. We’re also happy our team could help you get covered again without an increase in your rate! Thank you for your review and choosing OCHO
Really great was able to find a policy…
Really great was able to find a policy and quote within a couple minutes. Paying and pricing options were really easy to follow. Was able to get coverage same day!
13 oktober 2026
Svar från OCHO
Hi Pedro, we're so glad to hear it all came together so smoothly for you. Thank you for taking the time to leave a review!
— The OCHO Team
Svar från OCHO
Affordable car insurance, just as it should be. Thank you for choosing OCHO, and thank you for taking the time to share your experience!
— The OCHO Team
Svar från OCHO
Really glad the experience hit the mark! That’s what we work hard to deliver every time. Thank you for taking the time to leave a review!
— The OCHO Team
Ocho was there when I need insurance at…
Ocho was there when I need insurance at a critical time
7 oktober 2026
Svar från OCHO
Knowing we could be there when it really mattered means everything to us. That’s exactly why OCHO exists. Thank you for trusting us and for taking the time to share your experience!
— The OCHO Team
Ease of access and great service
Easy app use and great customer service. Being able to extend the time needed to make a payment and doing it all in the app. I think I called customer service maybe once in the time I've been covered by this company.
8 maj 2026
Svar från OCHO
Having the flexibility to manage everything in the app, including payment extensions, without needing to pick up the phone is exactly what we aimed to build. Really glad it’s working for you. Thank you for being with us and for taking the time to leave a review!
— The OCHO Team
Using ocho was fast and easy
7 oktober 2026
Svar från OCHO
Fast and easy car insurance - that’s the goal every time. Thank you for choosing OCHO!
— The OCHO Team
Svar från OCHO
Getting your car insurance policy should never be a hassle. Really glad OCHO made it simple. Thank you for choosing us!
— The OCHO Team
Fast and made sense
3 oktober 2026
Svar från OCHO
Fast and straightforward car insurance, that's the goal every time. Thanks for choosing OCHO, and thank you for taking the time to review us!
— The OCHO Team
Great experience first time and I’m…
Great experience first time and I’m loving the process already
25 september 2026
Svar från OCHO
Welcome to OCHO! Really glad your first experience has been a smooth one, Uneequa. We're here whenever you need us!
— The OCHO Team
Low Down Payment, Same Day Coverage
I found out last minute that my insurance had been canceled due to non-payment and I was struggling to figure out how to get myself covered as soon as possible. Ocho allowed me the flexibility of a low down payment, to split my monthly payment according to my pay schedule, and get coverage the same day!
4 oktober 2026
Svar från OCHO
That's exactly what OCHO is built for. When you need coverage fast and a big upfront deposit isn't an option, we've got you. Low down payment, payments on your schedule, and same-day car insurance coverage. Really glad we could come through when you needed it most!
— The OCHO Team
In today's economy…
In today's economy where everything is marked up 300% Ocho had my back with supplying me with affordable coverage at an extremely low rate and a good down payment, thank you Ocho for having my back!!
3 oktober 2026
Svar från OCHO
In an economy where everything costs more, affordable car insurance with a low down payment makes a real difference. Really glad OCHO could have your back. Thank you for trusting us, and thank you for taking the time to review us!
— The OCHO Team
My payment dates read one thing but…
I just got this on 9/27.. today (9/30) I received a reminder that a payment is due on 10/2… How? It’s only been 5 days!! Not to mention the payment dates displayed in my signed documents did not list a payment due on this date! The next payment is supposed to be in 2 weeks & every 2 weeks thereafter! This is wayyy too soon & not fair! For the amount of money being requested for these two back to back payments I could have went with a much better big name company and paid less! It’s hasn’t even 1 week! I just paid this company!!! I feel bamboozed, and tricked into buying this insurance! I was under the impression of one thing when it’s really not that..it’s giving false information and advertisement!!! It makes it seem as initially you’re saving money only to come back & request more due in a time span of less than a week. This scheme is just a way to get customers believing a false narrative to gain their business. I want my money back!! I’m not happy with this! Isn’t the reason for providing the payment due date schedule for transparency? So please do not be fooled.. this should be illegal!
26 september 2026
Svar från OCHO
Hi Shutonna, I'm Jaime, co-founder of OCHO, and I'm sorry this has felt confusing and unfair. Our mission is to make insurance more affordable and fit real life, so I'd like to explain what happened.
When you buy, we ask when you get paid and how often, then build a payment schedule around your paychecks. Sometimes your next paycheck falls just days after you buy, so the first installment comes soon after your down payment. We know that can feel close. The reason is that from the day your policy starts, we pay your insurance company on your behalf without knowing yet whether your payments will arrive. Every payment date is in the calendar in your agreement, and we should make that calendar easier to find.
Your payments carry 0% interest, $0 finance charges and $0 late fees. And because we are a lender (in addition to your broker), we report all of your payments to the major credit bureaus, so paying on time can help you build or improve your credit score while you pay for insurance. We also don't set insurance rates; the carrier does. We show you options and do our best to find the lowest price.
Our team moved your first installment when you called on Oct 3 so you'd have more room between payments. We're also looking at letting customers choose a larger down payment with a later first installment. If there is anything else we can look at, please call (800) 220-1416 or email support@ocho.co. We're open every day, 5 AM to 10 PM Pacific.
— Jaime, Co-Founder, OCHO
Process is very easy and affordable!
30 september 2026
Svar från OCHO
Easy and affordable car insurance. That's what we're here for. Thank you for taking the time to review us and for choosing OCHO!
— The OCHO Team
I this app for my insurance every month…
I this app for my insurance every month it’s a great app with affordable insurance rate
30 september 2026
Svar från OCHO
Really glad OCHO is working for you every month, Crystal! Thank you for taking the time to review us!
— The OCHO Team
Svar från OCHO
We're so happy you received great service, thank you for taking the time to review us :)
My whole experience was great
My whole experience was great. Sign up was ast,convenient, & simple. I had my policy signed and active, all in 40 min.
25 september 2026
Svar från OCHO
Afred, that makes us so happy to hear! Fast and affordable, that's our aim. Thank you for taking the time to review us.
Svar från OCHO
Quick, easy and affordable car insurance, that's the OCHO way! Thank you for taking the time to review us!
— The OCHO Team
Know what you are getting into!
I've used OCHO for insurance for a while, but when it came time to renew insurance this time I decided to look elsewhere due to the fact that I was 1. Paying a pretty penny for liability only insurance, 2. When I needed to drop a vehicle and add a vehicle you had to send over information on a Google Doc form that seemed to never get looked at which had me calling these folks weeks later to get it changed, 3. They don't give you your documents until after the policy renews, causing issues with being unable to work on certain platforms because the documents were not available in a timely manner, but the kicker to me is they renew policies using credit that I didn't authorize and when you try to cancel the policy a few hours in after you find out its renewed they want a fee. They also wanted me to pay a fee when I moved to change my address and that was before they checked the rates for the move. Yes, this insurance can be flexible but they will definitely charge you for it.
25 september 2026
Omdöme utan inbjudan
Svar från OCHO
Hi Jennifer, thank you for the detailed feedback, and for being a customer for as long as you were. I'm Jaime, co-founder of OCHO. Our mission is to make insurance more affordable and fit real life, and several of your points show where we can do better.
Vehicle changes: You're right about the Google Doc form. It is a relic, we are moving off it, and we are working to speed up how fast we process changes.
Documents: Carriers don't send us renewal documents until the renewal is effective, so we can't pass them on sooner. I'm sorry that caused problems when you needed them for work.
Renewal: At renewal, we pay the required down payment to the carrier for you, so you keep the same payment schedule without paying anything up front. We take that risk so you don't have to, and the arrangement has 0% interest, $0 finance charges and $0 late fees. We also send notices by text and email ahead of renewal so customers can make changes or opt out. Because we have already paid the carrier, cancelling right after renewal can leave an amount owed (including the renewal broker fee for shopping your policy).
The $25 for your address change: Changes often raise the premium, and the carrier asks for a payment against the increase right away, which comes out of our bank account. The $25 is not a fee. We keep none of it; it is applied to premium you already owe and lowers your balance.
Price: we don't set rates, the carriers do. We show you options and use tools like PriceCheck to look for the lowest price, and I'm sorry liability-only still felt expensive. One thing I hope stays with you: because we are a lender (in addition to your broker), we reported all of your payments to the major credit bureaus, which can help build or improve your credit score.
If anything is still open on your account, please email support@ocho.co or call (800) 220-1416 and we'll take a closer look.
— Jaime, Co-Founder, OCHO
5 stars
Highly rated full coverage auto insurance online with low down payment
Priceless
25 september 2026
Svar från OCHO
Hi Jason, we're glad OCHO hit the mark for you. Thank you for taking the time to leave us a review, we appreciate you!
— The OCHO Team
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