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To start with, what are otto car insurance reviews?

Otto insurance is essentially a provider of assistance services for the insurance sector. The company states that it wants to give users the most accurate insurance quotes as soon as possible. In reality, Otto is a lead generation website that sends your information to a network of partners and affiliates so they can get in touch with you and provide quotes.

For more information, keep reading.

The Pros & Cons Of Otto Insurance

Although Otto Insurance has received a lot of unfavorable online reviews, if you don’t mind being contacted by a wide range of insurance companies directly, it might be worth looking into for you. Otto’s advantages and disadvantages are listed below.


  • Entering your information into Otto is more or less like alerting every insurance provider in your area that you’re in the market for coverage.
  • You won’t have to wait long before they all start contacting you to offer you customized quotes.


  • Otto is not a licensed insurance provider.
  • While Otto claims to offer users the chance to compare rates from different insurers, you’ll actually get very few quotes that may not reflect actual prices.
  • Otto requires you to enter a great deal of personal information, all of which is then passed along to its 1,000+ insurance partners.
  • Using Otto doesn’t actually provide you with access to insurance quotes you can compare, but will result in a great deal of spam calls and emails from various providers.
The Pros & Cons Of Otto Insurance
The Pros & Cons Of Otto Insurance

Top 10 Otto Car Insurance Reviews

Andrew Dobb

Here is my evaluation of Otto insurance: absolute scam, not worth the time to even research whether or not it’s legitimate.

Alexander Rivera Santiago

“Stop watching YouTube advertisements from phony people talking about phony friends who use phony citations. obtaining information from people only to refer them to other insurance companies. No has any purpose, and people like me will only belittle your company until they speak openly about themselves. No uses la información de la gente para venderla a otras empresas”

Scott A Fussnecker

Inform people that they will receive a barrage of calls from firms trying to sell you insurance. My worst error was clicking on your otto car insurance advertisement.

Gracie Peracca

Stop misleading people about your services. All that happens is that you give out our numbers to numerous companies

Emmanuel Gutierrez

Although they don’t even offer insurance, the commercial depicts a young person adhering an otto insurance sticker to their car. You are sent to another referral business by this one. Misrepresentation.

Sharon Howarth

landing page for collecting data. None of their services are disclosed. This is a scam; another broker is attempting to obtain your personal information, including your contact information, in order to gather leads for partner insurance underwriters. What A Waste.

Max Childress

Throughout the first three hours, you should expect to receive about 7 calls from various insurance companies.

Max Childress

scam. they just collect info from the landing pages and sell to other insurance companies.

Chip Gowan

“It’s not an insurance provider. Stay away.”

Kluns De Orlando

“I completed the entire application, and they ultimately decided NOT to give me a quote! I was asked to start over! It took much longer than the advertised two minutes! otto insurance scam, scam, scam!”

Cleaner Cleaner

“My reviews are as follows: I simply wanted to know how much otto insurance costs. Between now and the time I used auto, I have had more than ten calls. in exact terms, 30 minutes ago. Don’t use this service; it is a fraud that will drain you dry with a never-ending stream of unskilled salespeople. Sincerely, I think that this is the most annoying website I have ever encountered.”

Otto Insurance: Is It Reliable?

Otto Insurance Is It Reliable
Otto Insurance: Is It Reliable?

While Otto is a legitimate company, it is not an insurance company. It is a website for lead generation that links customers to insurance companies and carriers. According to the business, it offers auto insurance rates alongside quotes for pet, home, and life insurance. Its corporate office is in Miami Beach, Florida.

When Otto Insurance was established is not a topic on which there is a lot of information. Joshua Keller is the company’s owner and CEO, according to Crunchbase. According to Keller’s LinkedIn profile, he is a successful businessman who founded a number of organizations, including Union Square Media Group, the parent company of Otto Insurance.

According to Crunchbase, the Otto Insurance website receives more than 1.7 million visitors each month.

Otto Insurance does not have an AM Best rating for financial strength because it is not an insurance provider. On J.D., it is also absent. For the same reason, Power’s rankings of auto insurance providers. Additionally, it does not currently have a Better Business Bureau profile.

Be prepared for a lot of calls if you choose to use the Otto quote process. Numerous calls, emails, and texts that customers received after requesting a quote on the Otto Insurance website are the main complaint among online Otto Insurance customers. See more about Junk My Car Reviews

Otto Insurance Provides What Types Of Insurance?

Otto Insurance does not actually provide insurance coverage products because it is not an insurance provider. However, the business asserts to collaborate with over a thousand affiliate insurance providers that provide various kinds of auto insurance coverage, including:

  • Liability coverage: The majority of states mandate that all motorists maintain a minimum level of property damage and bodily injury liability coverage. This coverage will help to pay for injuries and property damage to other drivers in the event that you are found to be at fault for an accident.
  • Collision: If you have an accident with a car or something else, like a fence or light post, this helps to cover damage to your car. Regardless of who was at fault for the collision, collision insurance helps to cover the cost of repairing or replacing your car.
  • Comprehensive: If your car is damaged in some other way besides a collision, this coverage helps to pay for the necessary repairs or replacements. Vandalism, fire, water damage, theft, and collisions with animals like deer are all examples of covered events.
  • Personal injury protection (PIP): Regardless of who was at fault for the accident, PIP insurance helps to cover your medical costs, lost wages, or funeral costs.
  • Uninsured/underinsured motorist: If you are in an accident with someone who has little or no auto insurance, this protection can help to keep you safe.
  • Medical expense: If you get into an accident, this coverage will act as a backup for your health insurance to help with the cost of your medical bills.
  • Guaranteed Auto Protection (GAP) insurance: In the event that you are still paying off your car loan and have an accident, this coverage will cover the discrepancy between the car’s market value and the loan’s initial principal.
  • Rental reimbursement: If you need to rent a car while your car is being repaired after an accident that damages it, this coverage will pay you up to the policy maximum.
  • Roadside assistance and towing: If your car battery dies, you get a flat tire, or you lock your keys inside the car, this coverage will come in handy.
  • Non-owner insurance: When you drive a vehicle you don’t own, such as a rental vehicle or a vehicle you borrow from a friend, this insurance policy covers any property damage or injuries you may cause.

You can obtain quotes for additional insurance coverage through the Otto Insurance website, including:

  • Pet insurance.
  • Home insurance.
  • Life insurance.

Bundling is not available on the website, but Otto Insurance’s partner insurance provider may offer it. Your interest in combining your car insurance with your home or renter’s insurance will be inquired about during the quote process. Otto may base his recommendation for an insurance company on your response.

Otto Car Insurance Reviews In 2022 Buy Or Not To Buy
Otto Car Insurance Reviews In 2022: Buy Or Not To Buy

How Inexpensive Is Otto Insurance?

The Otto website claims that you can find auto insurance for as little as $19 per month, but it is difficult to verify this claim because you are never given a price when you go through the quote process. Instead, you are taken to the website of a recommended insurance provider where you must enter additional information, some of which is a repeat of what you already provided to Otto, in order to receive a genuine price quote.

How To Find Discounts

One of the best ways to reduce the cost of your auto insurance plan, whether you’re getting a quote from Otto or another business, is to enquire about available discounts.

Discounts on auto insurance might be available for:

  • Automatic payments: If you arrange for automatic payments from your checking account or credit card, many insurers will lower your car insurance premiums.
  • Defensive driving: By finishing a recognized defensive driving course, you could qualify for this discount.
  • Distant student: If you have a full-time student living in your home who isn’t using your vehicle while they are away at college, you might be eligible for this discount.
  • Good student: For full-time students who keep their grade point average at school at a B or higher, many insurers provide discounts.
  • Homeowners: Even if your homeowner’s insurance is with a different insurer, you might be qualified for a discount just for being a home owner.
  • Multi-car: If you put all of the vehicles you need to insure on the same policy, you could save money.
  • Multi-policy: Insuring your car along with other policies, like your renter’s or homeowner’s insurance, could result in a discount.
  • Pay in full: If you pay your premiums upfront for six months to a year as opposed to on a monthly basis, they might be less expensive.
  • Safe driver: You may be eligible for a safe driver discount if you haven’t had any traffic tickets or accidents in the last three years. Some insurance companies also give discounts to motorists who use a specialized tool or smartphone app that tracks their driving patterns.

Ways To Maximize Savings

You can take a number of actions to maximize your savings on auto insurance.

You could:

Promote Credit Score

How much you have to pay for auto insurance may depend on your credit score. Low credit score drivers are seen as having a higher risk of making a claim by insurance companies. Only three states, California, Hawaii, and Massachusetts, forbid insurers from taking your credit score into account when calculating your rate. If you reside somewhere else, you might want to aim for a credit score of 700 or higher to reduce the cost of your auto insurance.

Drive A Different Car

Your cost for auto insurance will also depend on the kind of vehicle you drive. Although that Tesla might make your friends jealous, it will cost you more to insure than a typical sedan. Because they are more likely to be stolen, expensive vehicles like a Porsche, BMW, or Lexus may cost more to insure.

Driving an older vehicle or one with safety features like airbags and anti-lock brakes could also result in lower insurance costs.

Maintain A Clean Driving Record

When it comes to obtaining inexpensive auto insurance, the less tickets and collisions you have, the better. Drivers who have a history of tickets or claims must pay higher premiums because insurance companies view them as higher risks. Following an accident, auto insurance costs typically rise by 49%.

Shop Around

For the same level of coverage on auto insurance, insurance companies charge wildly varying prices. Therefore, it’s crucial to shop around and evaluate quotes from various insurance providers. In this situation, Otto Insurance might be useful.

Read about: Kyte Car Rental Reviews

Otto Vs. Insurify: The Facts

Otto does not offer users any actual quotes on the site; instead, it is a lead generation platform. As soon as your insurance profile is complete, Insurify, on the other hand, returns up to 20 real quotes. With Insurify, you also have much more control over your data and no longer have to worry about getting unwanted calls and texts from insurance brokers.

Insurify also offers a tool that shows users how confident it is in the quotes it offers—an accuracy estimator.

Insurify is the top-rated insurance comparison website in the United States, according to over 3,000 user reviews with an average user score of 4.8/5.

Otto Vs. Jerry

Otto and Jerry answer questions similarly, but the outcomes are very different. Otto simply directs users to a car insurance company’s website, whereas Jerry offers actual quotes through its mobile app.

Additionally, Jerry’s app offers tools for managing your vehicle, including the ability to schedule maintenance, keep track of receipts, and view any active recalls for your vehicle.

Otto Vs. Quotewizard

Otto and QuoteWizard are quite similar in that neither actually offers any quotes for auto or home insurance, despite both sites’ claims to the contrary. Both are lead generation websites that market your personal information to additional insurance companies. Because of this, a large number of users lament receiving a barrage of calls after using the tools.

Otto Insurance Vs Geico

The primary distinction between Otto Insurance and Geico is that Otto Insurance was founded in 2011 and is a privately owned company, whereas Geico was founded in 1963 and is a publicly traded company. Otto Insurance is a direct-to-consumer company that also offers auto insurance. The insurance plans offered by Geico offer a variety of options.

With its cutting-edge pay-per-mile, usage-based insurance policy, Otto Insurance, a new auto insurance start-up, aims to upend the market. Otto considers your driving style when determining prices, as opposed to just using information like your age and location.

Small, family-run Otto Insurance in Peoria, Illinois, began to harness the potential of podcasting.

A well-known insurance provider in the world is Geico. They have a great YouTube ad, they advertise on the radio, and they have a reputation for posting very clever things on social media.

Ways To Save On Car Insurance

Using a real quote-comparison tool, such as Insurify, is the fastest way to reduce the cost of your auto insurance. Simply complete your driver profile, and Insurify will provide numerous quotes for the coverage you choose. Additionally, you can:

  • Watch your driving. Your insurance rates will suffer as a result of your driving errors. To lessen the effects of prior tickets or accidents, you might be able to enroll in a defensive driving course.
  • Bundle policies. Consider bundling your insurance policies from different providers for a discount if you have separate renters’, life, or home insurance policies.
  • Check around for deals. New discounts might be available, even if you’ve had your insurance with the same company for a while. Inquire with your agent or look for insurance on websites like Insurify, which can find discounts for you.
  • Shop around. Switching insurance companies is simpler than you might realize. Every six months, check your coverage and compare premiums to make sure you’re getting the best deal.

Is Otto Insurance Accredited by the BBB?

No, Otto Insurance is not a Better Business Bureau accredited company. Otto’s setup is actually made to gather lead-generation data for insurance companies, despite the fact that it purports to work on behalf of customers. Technically, the business is legitimate because it doesn’t try to defraud customers out of their money, but it’s also not the useful tool for comparing insurance quotes that it advertises.

What Is Otto Insurance?

What Is Otto Insurance
What Is Otto Insurance?

It can be difficult to choose the right insurance, but the Otto insurance tool stands out in the sea of alternatives. It’s a lead generation website, so instead of providing quotes right away, it sends your information to its enormous network of 1,000 affiliates and partners.

Although it’s very simple to use, don’t count on getting quotes right away. Otto will gather your personal data before connecting you with one of their many insurance agents to continue the quote request.

Here’s how it works:

  • Go to the website and click “Get Started Now.”
  • There will be some inquiries about you, your residence, and your car.
  • Whether you are purchasing insurance for the first time or have an existing policy, you must let Otto know.
  • Otto guarantees to obtain the most affordable insurance premiums for you.
  • Otto will inquire about your vehicle after you’ve completed your profile. Depending on your home address and name, Otto can look up information about your vehicle or you can finish this step on your own.
  • The additional inquiries about your gender, residence, and marital status are simple to respond to.
  • Your choice to combine your home and auto insurance with the company will result in lower insurance premiums.
  • If you are eligible for significant discounts, Otto will inform you right away.
  • Before entering your name and phone number, please review the terms and conditions.
  • The Otto’s marketing affiliates or partners will contact you after you click the “Get Your Free Quote Button.”

Bear in mind that Otto doesn’t provide any additional details. A link to each company’s website is all that is provided for you to compare the two carriers.

Background About Otto Insurance

Otto Insurance offers free, quick, and easy insurance quote comparisons for life, auto, pet, and home insurance.

As a concierge service for the insurance industry, Otto Insurance is not an insurer. The customer always comes first at Otto.

The headquarters for Otto’s team is in Miami Beach, Florida, and they are remotely dispersed throughout the country. Otto works assiduously to match customers with the best insurance partners in order to safeguard their financial future. To provide the best insurance rates in the sector, their team collaborates with individual agents, regional, and national carriers.

Customers can obtain their insurance quotes in a secure environment thanks to Otto Insurance, which combines cutting-edge technology with years of experience. Additionally, to securely and promptly deliver customer data to the best possible match, their network communicates with hundreds of insurance providers throughout the United States.

Otto constantly works to increase their efficiency and speed, so customers will be connected with the best agents in a matter of seconds. Otto insurance wants customers to have the best experience possible and find a partner who will meet their needs. With Otto insurance, you can now join the expanding group of more than 2 million satisfied savers.

Otto Insurance’s Sketchy Privacy Policy

You must enter personal details like your name, address, phone number, and email address before you can access a single quote on Otto. Otto Insurance’s privacy policy reveals that they also reserve the right to collect additional information about you from other “online and offline” sources.

Additionally, Otto’s website saves cookies on your computer to gather information such as your IP address, Internet service provider, and the area code for your server.

What’s with all the Big Brother drama? Because Otto Insurance claims to be a free tool for customers, but its primary goal seems to be generating leads for its insurance partners.

Otto sends their thousands of partner insurance companies all the data they have gathered about you about to them. In an effort to sell you their products, these businesses use your information to contact you repeatedly.

How Does Otto Insurance Work?

How Does Otto Insurance Work
How Does Otto Insurance Work?

Various insurance companies’ best rates can be found at Otto Insurance, which bills itself as your one-stop shop for doing so. Upon arriving at the Otto website, you’ll be prompted to choose from one of several different types of insurance, including:

  • Auto
  • Pet
  • Home
  • Life

After that, you will be required to complete a brief questionnaire with information about you and the object of your insurance. The process is fairly simple, but without providing your contact information, you won’t be able to view any of the quotes that are actually offered.

This is where things can get a little dicey for many customers.

The Bottom Line

A network of more than 1,000 insurance agents and affiliates receives user information from the legitimate lead-generation website Otto insurance. Your information is matched with two insurance providers who can provide you with quotes.

Otto has received many negative reviews from people who complained that they received a lot of unwanted calls, but there are also some positive reviews available.

Please leave a comment in the space provided below the blog post if you have any questions, and I will be happy to assist you.

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