4.1 C
New York
Tuesday, December 5, 2023

Otto Insurance coverage Evaluate: Is it Legit?


Otto Insurance coverage is a web based insurance coverage lead generator that makes use of your private info to match you with insurance coverage corporations that may give you free quotes. Otto just isn’t a direct insurance coverage supplier, neither is it an insurance coverage dealer. Due to this fact, you’ll acquire quotes and insurance policies straight from precise insurance coverage suppliers.

However Otto is a reasonably new firm, and there’s not a lot details about Otto out there on-line, main many to wonder if they’re legit.

There are additionally a giant variety of complaints about Otto showing on-line, most of which cope with ongoing solicitations from taking part suppliers.

Whereas this isn’t uncommon for a web based insurance coverage market, it’s value noting. On this Otto evaluation, I’ll clarify how the platform works and share the important thing options, execs and cons, in addition to a couple of Otto options.

Desk of Contents
  1. What Is Otto?
  2. How Does Otto Work?
  3. Otto Benefits
  4. Otto Drawbacks
  5. Execs and Cons
    1. Execs:
    2. Cons:
  6. Otto Insurance coverage Options 
    1. SelectQuote
    2. The Zebra
    3. PolicyGenius
  7. FAQs 
  8. Is Otto Legit?

What Is Otto?

Primarily based in Miami Seaside, Florida, Otto is a web based insurance coverage market that connects customers to auto, residence, pet, industrial, and life insurance coverage insurance policies

The corporate claims you can save greater than $500 per yr in your automotive insurance coverage premium. And whereas Otto doesn’t disclose the variety of taking part insurance coverage corporations, they do point out insurance policies are supplied by Nationwide, Esurance (Allstate), AAA Insurance coverage, Farmers, Mercury Insurance coverage, Liberty Mutual, Progressive, and American Household.

How Does Otto Work?

Otto claims to have helped over 10 million shoppers discover one of the best insurance coverage charges. To acquire a quote, you’ll full a “free quiz” fairly than an utility, as is typical of different insurance coverage web sites.

Otto will ask you to supply the next info:

  • Zip Code
  • Automobile age
  • Automobile make and mannequin
  • Options of your automobile
  • The identify of your present insurance coverage supplier
  • Point out your gender
  • Your marital standing
  • Reply: what’s your credit score rating? (Wonderful, good, common, poor)
  • Verify you’re a house owner (or not) – you’ll be provided to bundle a house owner’s or renter’s coverage in both case.
  • Your birthdate
  • Your first and final identify
  • House tackle
  • E-mail tackle
  • Cellphone quantity

You’ll start receiving quotes if you click on the blue “Get Quotes” button. However earlier than continuing, you may need to learn the high-quality print. Remember you’ll be offering specific written consent to receiving advertising info relating to insurance coverage and associated merchandise. This contains computerized phone dialing techniques, synthetic and prerecorded calls, SMS/MMS, and emails from each the Otto web site and certainly one of its many advertising companions on the cellphone quantity and e mail tackle you present.

Otto offers with a whole bunch of insurance coverage companions. I used to be additionally in a position to establish mortgage suppliers, monetary providers corporations, internet lead providers, and lots of others I used to be unfamiliar with.

Otto Benefits

Otto is straightforward to navigate and utterly free to make use of. The data requested within the survey is fundamental and possibly gained’t even require you to lookup any of your particulars.

Primarily based on the data supplied on the location, you may doubtlessly obtain coverage quotes from dozens of corporations, together with a few of the largest suppliers within the nation.

One of many main complaints towards practically all on-line insurance coverage marketplaces – together with Otto Insurance coverage – is the sharing of your info with scores of insurance coverage corporations, who proceed to solicit you months and even years after you purchase a coverage.

Otto Insurance coverage offers you a chance to keep away from this final result. You possibly can e mail the corporate at [email protected] and request that your info be erased. That, they point out, might put an finish to emails and cellphone calls. 

Otto Drawbacks

Otto’s most important downside is the obvious lack of management you might have over the variety of solicitations you obtain, in addition to the place they arrive from. As I indicated above, Otto supplies an inventory of a whole bunch of taking part providers, lots of them not even insurance-related.

And as disclosed within the high-quality print, you’re basically giving Otto and its accomplice companies practically limitless capacity to solicit you for insurance coverage and different services and products.

The location additionally makes it abundantly clear that there is no such thing as a assure your efforts on the platform will lead to getting protection from an insurance coverage firm. Nonetheless, that is widespread with all on-line insurance coverage marketplaces.

Although Otto additionally covers life, residence, industrial insurance coverage, and pet insurance coverage, it appears to focus primarily on automotive insurance coverage. The appliance course of for any of the opposite protection varieties is just like that for automotive insurance coverage. You’ll full a survey however present info very particular to the kind of protection want to purchase.

If you happen to do select to buy auto insurance coverage, the location has emphasised the advantages of bundling protection with both house owner’s or renter’s insurance coverage for a reduction.

Execs and Cons

The comfort of on-line insurance coverage marketplaces like Otto is plain. They permit you entry to a number of insurance coverage suppliers and obtain quotes from a single web site, saving you the effort of getting to buy round. However there are drawbacks too. With that in thoughts, right here is my listing of Otto execs and cons.


  • Entry to a number of insurance coverage carriers
  • It’s free to make use of
  • You possibly can take away your private info to keep away from solicitation.


  • Delay in receiving quotes.
  • The excessive variety of poor on-line evaluations.
  • Otto just isn’t a direct insurance coverage supplier.

Otto Insurance coverage Options 

If you happen to’re unable to search out the precise insurance coverage coverage by way of Otto Insurance coverage, there are different platforms the place it’s possible you’ll discover what you’re in search of. 


SelectQuote is an insurance coverage comparability web site that gives quotes for insurance policies from a few of the greatest names within the insurance coverage business. SelectQuote claims it can save you 50% on life insurance coverage and a whole bunch of {dollars} on auto and residential insurance coverage by utilizing their service. You should use SelectQuote to attach with a licensed gross sales agent who will assist you determine how a lot life insurance coverage you want. The location additionally presents renters insurance coverage, small enterprise insurance coverage, and umbrella insurance coverage.

The Zebra

The Zebra is without doubt one of the hottest insurance coverage comparability websites within the business. They provide life, auto, residence, renters, pet, and bike protection, and a number of other insurance policies for industrial and small enterprise insurance coverage. The Zebra’s companions embrace a couple of dozen of the most important insurance coverage corporations in America.


PolicyGenius is without doubt one of the hottest on-line insurance coverage marketplaces on-line. They work a lot the identical as different platforms, however in addition they present steerage from licensed insurance coverage brokers, who may also help you discover the precise coverage. PolicyGenius presents life, residence, auto, and incapacity insurance coverage insurance policies.


How does Otto Insurance coverage make cash?

Like most on-line insurance coverage marketplaces, Otto Insurance coverage is a lead technology service. When shoppers full an utility for an insurance coverage quote, that info is shared with a number of insurance coverage suppliers. These suppliers could pay a payment to the location in alternate for entry to the client base it generates. However for those who do buy an insurance coverage coverage by way of the location, Otto will obtain a small payment for the position.

Who’s the CEO of Otto Insurance coverage?

The CEO and proprietor of Otto Insurance coverage is Joshua Keller. Further details about Mr. Keller could be discovered on his LinkedIn profile.

Are on-line insurance coverage corporations legit?

On the whole, sure. Nonetheless, it’s vital to know that whereas a few of the finest on-line insurance coverage corporations are direct suppliers, others – usually the most well-liked– are on-line insurance coverage marketplaces. Meaning they don’t seem to be insurance coverage corporations and even insurance coverage brokers however web sites that allow shoppers
to buy insurance policies and join with corporations they need to purchase protection

Study Extra About Otto

Is Otto Legit?

Otto Insurance coverage is a reliable lead-generating web site however not an precise insurance coverage firm. The location serves as an aggregator, linking candidates with taking part insurance coverage corporations. You’ll have to test the person rankings of any firm you need to do enterprise with by way of the location.

On the time of writing, there have been no rankings on both Google Play or The App Retailer for Otto Insurance coverage, and the Higher Enterprise Bureau was updating its profile on Otto Insurance coverage. Nonetheless, it did point out that Otto Insurance coverage just isn’t rated by the company. 

Trustpilot offers Otto Insurance coverage a ranking of two.7 out of 5 stars (poor); nonetheless, that ranking relies on solely 4 evaluations. And since Otto isn’t an precise insurance coverage firm, there is no such thing as a itemizing of Otto Insurance coverage with the Florida Workplace of Insurance coverage Regulation.

So whereas Otto is legit, I like to recommend that you just proceed with warning and contemplate your whole choices, together with the options listed above, earlier than signing up.



  • Entry to a number of insurance coverage carriers
  • It is free to make use of
  • You possibly can take away your private info to keep away from solicitation.


  • Delay in receiving quotes
  • The excessive variety of poor on-line evaluations.
  • Otto just isn’t a direct insurance coverage supplier.


Related Articles

Latest Articles

Experience the future of communication with the Yealink T54W This cutting-edge IP phone boasts a 4.3-inch color display, built-in Bluetooth and Wi-Fi, and support for up to 16 VoIP accounts Kitchen cabinets escabinetry.com from European countries