Otto Insurance Reviews 2023
Is it the right choice for you?
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Last Updated: May 5, 2023
Insurance is an essential aspect of modern life, offering protection for accidents, natural disasters, or other unforeseen circumstances. Otto Insurance is a well-known insurance company that offers a range of policies, including car, home, and renters’ insurance. In this review, we will take a closer look at Otto Insurance, exploring its history, coverage options, pricing, customer service, and ratings from industry experts and customers. By the end of this review, you will have a better understanding of whether Otto Insurance is the right choice for your insurance needs.
Here we’ll provide an overview of Otto Insurance, discuss its pros and cons, examine third-party ratings, and review customer ratings to help you decide if it’s the right insurance provider for you.
Overview of Otto Insurance
Otto Insurance is a full-service insurance provider that offers extensive insurance policies to customers in several states. The company was founded with the goal of providing affordable, high-quality insurance policies to customers of all backgrounds. Otto is not an insurance company itself but a lead generation site that connects consumers with insurance agencies and carriers. The company offers various types of insurance quotes, including auto, home, renters, pet, and life insurance. It works with a network of licensed insurance agents and carriers to provide customers with competitive insurance rates and quotes. It serves as a valuable resource for individuals looking to compare insurance policies and find the best coverage for their needs.
- Phone number: (888) 804-5641
- Headquarters: Miami Beach, Florida
Pros and cons
- Get multiple quotes at once.
- Easy and free to use
- Offer quotes for car, home, pet and life
- Not an insurance company
- Not much information on the site
- You cannot choose companies from which you want quotes.

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Otto Insurance Products and Services
Otto can help you choose from insurance that you require in daily life. Some of the main products and services offered by Otto Insurance include:
- Otto Auto Insurance
- Home Insurance
- Pet Insurance
- Life Insurance
- Commercial Insurance
How Does Otto Insurance Work?
Fill out a form: To get started, you’ll need to fill out a form on Otto Insurance’s website. You’ll need to provide some basic information about yourself, including your name, address, and contact information. You’ll also need to provide details about the type of insurance you’re interested in, such as auto, home, renters, or pet insurance.
Receive quotes: After you submit your form, Otto Insurance will match you with a licensed insurance agent who will provide you with multiple insurance quotes from various carriers. You’ll be able to compare rates and coverage options to find the policy that’s right for you.
Select a policy: Once you’ve reviewed your quotes and have chosen a policy, your insurance agent will help you complete the necessary paperwork and answer any questions you may have about your coverage. They’ll also help you set up your payment plan and provide you with information about how to file a claim if you need to.
Manage your policy: After you’ve purchased a policy through Otto Insurance, you’ll be able to manage your policy online. You can view your coverage details, make changes to your policy, and pay your premiums all from the convenience of your computer or mobile device.
Overall, Otto Insurance works by connecting you with a licensed insurance agent who can help you find the best insurance policy to meet your needs. With its vast network of insurance carriers and knowledgeable agents, Otto Insurance makes it easy to compare rates and coverage options and find the right insurance policy for you.
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Overall Reviews and Complaints About Otto
Since Otto Insurance is not an insurance company but a lead generation site, it is not rated by A.M. Best or the Better Business Bureau (BBB). However, the insurance carriers that Otto works with may be rated by these organizations, and you can ask your licensed insurance agent for more information on the ratings of the specific carriers you’re considering. There are not many customer reviews, but there are customers who praise the company’s affordable pricing, easy-to-use website, and responsive customer service. Also, some have issues regarding the continuous phone calls made to the customers.
Sample of Customer Reviews
I entered my information into this site, and it gave me two more comparison websites which led me to more comparison websites. In all, I visited about 16 price-comparison websites, and got 3 actual quotes (of which one is the lowest I’ve seen anywhere.)
I saw an ad about Otto Insurance, which offers cheap auto insurance rates. After filling out all my information including birth date, address, phone, email address, I don’t have a quote, but they bombard with a lot of emails and phone calls. At last connected to an agent who helped me with useful information.
They called me 12 times within 3-4 hours from several numbers, so I couldn’t block them. I answered twice and asked them to stop. I understand sales calls, but this was literally irritating.
I was able to compare quotes with different insurance companies, find out the cheapest price for my car insurance. But the issue was you will need to enter a lot of websites and attend numerous calls!
Conclusion
Otto Insurance provides a reliable platform for consumers to compare insurance rates and coverage options from various carriers. Although there is a lack of customer reviews to gauge the company’s reputation and customer satisfaction, the company’s user-friendly website and knowledgeable agents make it easy to navigate and understand the often-confusing world of insurance. While Otto Insurance provides a convenient way to compare insurance rates and coverage options from some of the best insurance companies in the U.S., it can still be a good idea to do some prior research on the insurance market. Knowing which carriers offer the best rates and coverage for your specific needs can help you narrow down your search and make a more informed decision.
Also Read: Otto Insurance vs. GEICO
Frequently Asked Questions
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Is Otto Insurance legit?
Yes, Otto Insurance is a legitimate business that operates as a lead generation site to connect consumers with licensed insurance agents and carriers.
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Why is Otto Insurance so cheap?
Otto Insurance does not set insurance rates or determine the cost of insurance policies. Instead, it provides consumers with multiple insurance quotes from various carriers, allowing them to compare rates and coverage options and find the policy that’s right for them. The rates offered by different carriers may vary based on several factors, such as the consumer’s driving history, credit score, location, and other personal details.
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How does Otto Insurance make money?
Otto Insurance generates revenue by receiving a commission from the insurance carriers it works with when a consumer purchases a policy through its site. The commission amount may vary depending on the carrier and the specific policy purchased, but it does not affect the consumer’s insurance rates or coverage options.
Highlights
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