Get Low Cost Car Insurance in GA With OCHO’s New Paid-in-Full Financing
Finding low cost car insurance in GA can be tough, especially when insurance companies expect big upfront payments and you’re stuck choosing between buying groceries or keeping your car insured.
For many drivers, that down payment is the biggest barrier to getting covered. It’s not that people can’t afford insurance in general, it’s that they can’t afford it all at once. And when you’re already juggling bills, rent, and everyday expenses, a huge deposit can feel impossible.
That’s exactly why OCHO exists. We believe everyone should have easy access to insurance, without getting trapped in loans full of hidden fees or abusive commissions. We’ve built easy, interest-free ways to help Georgia drivers get covered, without the stress of paying everything upfront.
Now, we’re taking it even further.
One way to get low cost car insurance is by paying for your entire policy in full, but for most people, that’s just not realistic. Why should those discounts only go to people who can afford a big lump-sum payment?
OCHO is changing that. We can now cover your entire car insurance policy, not just the down payment. That means you get the pay-in-full discount from your insurance company, while still paying us back over time, interest-free.
Right now, this special paid-in-full financing option is available for The General in Arizona, Georgia, Texas, and Washington. Only a small portion of our customers will be eligible.
Here’s how to see if this option is available for you:
- Complete your car insurance application as usual.
- When you get the final price on the quote you selected, OCHO automatically checks whether you’re eligible for the paid-in-full option.
How it works:
- OCHO pays your full premium directly to your insurance company.
- You get the insurance company’s pay-in-full discount, usually around 10% off the total policy.
- You repay OCHO in easy, interest-free installments.
It’s just one more way OCHO works behind the scenes to find you the lowest possible price on car insurance, without any extra effort on your part.
So not only do you get the paid-in-full discount, you still get all the benefits of buying your insurance from OCHO: easy online application, low deposit, split payments and the chance to build your credit score.
It’s a smarter, simpler way to make car insurance in Georgia more affordable, helping you stay covered and save money every month.
Car Insurance Requirements in Georgia
Georgia law requires all drivers to carry minimum liability coverage. Here's what you need to know
Required Coverage
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured Motorist Coverage: Required unless rejected in writing
Why OCHO is Different in Georgia
OCHO offers convenient, customer-first solutions designed with your needs in mind. Here’s what sets us apart from the rest:
- $0 Down Payment Options: Get covered today without a large upfront cost
- Flexible Payment Plans: Pay when you get paid—no more stress about inconvenient due dates.
- Instant Coverage: Get your insurance card immediately
- Build Credit: On-time payments can help improve your credit score*
- Extra Time to Pay: Need a bit more time? We offer up to 15 days of flexibility without penalties.
The Easy Way to Get Insured: OCHO’s Low Upfront Costs
Buying car insurance in Georgia can be expensive, especially when a high down payment stands in the way of getting covered. That’s why OCHO has worked hard to make insurance more accessible for everyone. Even if you don’t qualify for $0 down, we still reduce the upfront cost significantly compared to buying directly from the insurance company. Our mission is to ensure you can get the coverage you need without straining your wallet, offering lower down payments so you can protect what matters most without unnecessary financial stress.
Georgia Auto Insurance Facts
- Georgia's average car insurance cost is about $2,572 annually (2024 data)
- The state has strict penalties for driving without insurance
- Georgia's Move-Over Law requires drivers to change lanes for emergency vehicles
- Texting while driving is banned with fines up to $150
Smart Coverage Options for Georgia Drivers
Basic Coverage
- Liability Insurance (Required)
- Uninsured/Underinsured Motorist Coverage
- Personal Injury Protection (PIP)
Full Coverage
- Collision Coverage
- Comprehensive Coverage
- Rental Car Coverage
- Roadside Assistance
Important Georgia Insurance Laws to Know
Move-Over Law
- Requires drivers to change lanes when approaching emergency vehicles
- If unable to move over, must slow down below posted speed limit
- Violations can result in fines up to $500
- Counts as a moving violation on your record
Hands-Free Georgia Act
- Complete ban on handheld phone use while driving
- No texting, browsing, or watching videos
- Hands-free calls and GPS only
- First offense carries a $50 fine
License Points System
- Points remain on record for 2 years
- 15 points in 24 months leads to suspension
- Insurance rates often increase with points
- Some violations can be offset by defensive driving courses
Understanding Georgia Auto Insurance Landscape
Georgia's diverse geography and driving conditions create unique insurance needs:
Metropolitan Atlanta
- Heavy traffic patterns
- Higher accident rates
- Increased risk of theft and vandalism
- Complex commuting routes
Coastal Areas (Savannah, Brunswick)
- Hurricane and flood risks
- Tourist traffic considerations
- Seasonal weather challenges
Rural Georgia
- Wildlife collision risks
- Limited emergency services
- Varied road conditions
Getting Started is Easy
1. Download Our App
While you can apply using our web application, we highly recommend downloading the OCHO app (Apple or Android). It makes managing your insurance effortless—right from your phone. Once you’re insured, you can use the app to do things like request more time to pay with just a tap, view your policy details, and handle payments with ease.
2. Enter Your Info
Simply provide a few details, and we’ll take care of the rest. Our streamlined process ensures you get accurate quotes without the hassle of long forms or unnecessary steps.
3. Get Covered
Once you’ve selected your plan, you’ll receive instant proof of insurance, so you can hit the road with confidence. No waiting, no stress, just coverage when you need it.
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