James “TheGrimOne” B.
Do not use them unless you are desperate
I am extremely disappointed with my experience and would leave zero stars if possible. I have been misled on three separate occasions regarding basic timelines. For example, I was repeatedly told that adding a vehicle to my policy would take 24 hours; it has now been 36 days, and the vehicle still has not been added. Additionally, they charge a $25 fee to make account changes, but then fail to actually process the changes you paid for. On top of this, they unexpectedly push you into a third-party loan to cover the insurance, which I definitely did not want. I strongly advise avoiding this company at all costs. I will absolutely not be renewing my contract when it expires.
Response from OCHOAug 29, 2026
We're really sorry for this experience. Thirty six days to add a vehicle is completely unacceptable and we understand your frustration. We have been working through a technical issue with one of our carriers that has caused delays in processing policy changes, and we sincerely apologize that this has affected you. On the $25 charge, this is not an additional fee but an advance on your existing policy balance. Regarding the loan, OCHO is a premium finance lender and this is clearly outlined in the declaration page that every customer scrolls through and acknowledges before completing their purchase. We would very much like to resolve the vehicle addition for you. Please call us at (800) 220-1416 and we will make this a priority. — The OCHO Team