RMO Insurance offers a $0 down auto insurance program that allows qualifying members to start coverage without a large upfront payment.
How It Works:
- Instead of paying the first month's premium plus a down payment at policy inception, you pay only a small enrollment fee to start your coverage immediately.
- Your full premium is spread evenly across monthly installments for the policy term.
- Coverage begins on the effective date you select during enrollment — there is no waiting period.
Who Qualifies:
- New and existing RMO members with an active RMO checking or savings account
- Enrolled in autopay through MyRMO for monthly premium payments
- Valid driver's license and vehicle registration
- No lapse in prior insurance coverage exceeding 30 days (exceptions may apply for new drivers)
Available Plans: The $0 down option is available across all four tiers: MyAuto Basic, Standard, Plus, and Premium. You still receive the same coverage, discounts, and benefits as a standard-pay policy.
How to Enroll:
Get a quote through MyRMO and select the $0 down payment option at checkout. You can also schedule an appointment through MyRMO or by calling us to have an Expert walk you through the enrollment process.