Is Otto Insurance coverage Legit? It’s essential to know this earlier than utilizing it


If you happen to’ve ever discovered your self looking on-line for one of the best charges on insurance coverage, you’ve got seemingly come throughout Otto Insurance coverage. Otto and his lovely Otter mascot provide that will help you discover low cost protection inside seconds, however can these claims be trusted?

Otto Insurance coverage Opinions on the corporate’s personal web site portrays the service as an insurance coverage purchaser’s dream. However delve just a little deeper and you will quickly get a really completely different image.

Let’s take a more in-depth have a look at the reality behind all these glowing Otto Insurance coverage critiques to seek out out precisely what the corporate gives and whether or not or not it is price utilizing.

What insurance policy does Otto provide?


Many shoppers have discovered themselves just a little dissatisfied after accessing Otto’s web site, solely to seek out that the corporate does not really provide insurance coverage in any respect. Because it seems, Otto Insurance coverage isn’t an insurance coverage firm in itself, so they do not actually provide any of their very own coverage choices.

So, what precisely is Otto and the place is the “insurance coverage” a part of his identify?

Otto claims to be an insurance coverage charge comparability website that may current you with numerous quotes from insurance coverage corporations in your space. However after utilizing the service, many purchasers discovered that even these claims are a bit deceptive.

How does Otto Insurance coverage work?


Otto Insurance coverage claims to be your one-stop-shop for locating one of the best charges supplied by numerous insurance coverage corporations. Upon accessing the Otto web site, you can be prompted to decide on one among a number of various kinds of insurance coverage, together with:

You’ll then be requested to fill out a brief questionnaire that may ask you questions on your self and no matter insurance coverage you maintain out for. Whereas the entire course of is comparatively painless, you will not be capable of view any of the out there quotes with out really getting into your contact info.

For a lot of clients, that is the place issues get just a little tough.

Otto Insurance coverage’s Sketchy Privateness Coverage


Earlier than accessing a single quote, Otto requires that you simply submit private info akin to your identify, tackle, cellphone quantity and e-mail tackle. Otto Insurance coverage’s privateness coverage means that in addition they reserve the precise to gather further details about you from different “on-line and offline” sources.

Moreover, Otto’s web site shops cookies in your laptop to gather the whole lot out of your IP tackle and Web service supplier to the world code related to your server.

Why all of the Massive Brother motion? As a result of, whereas Otto Insurance coverage payments itself as a free software geared towards serving to clients, its actual focus seems to be producing leads for its insurance coverage companions.

Otto takes all the knowledge it collects about you and passes it on to its fellow insurance coverage suppliers, which run into the 1000’s. These corporations then use your info to constantly contact you in an effort to promote you their merchandise.

Widespread Buyer Complaints/Opinions About Auto Insurance coverage


Though yow will discover plenty of nice auto insurance coverage critiques supplied by the corporate, issues are loads much less flattering on different evaluate websites. The corporate’s Fb evaluate web page, for instance, reveals an total evaluate of only one out of 5 stars.

Some of the distinguished complaints about Otto insurance coverage critiques is the truth that the businesses with which Otto shares your info aren’t shy about contacting you in any respect. This often leads to a stream of undesirable spam calls and emails.

Moreover, many customers complained that Otto ended up directing them to their very own insurance coverage suppliers, the place they had been supplied costlier quotes than they at present pay.

The reality is that whereas Otto Insurance coverage claims to make it simple to match completely different charges, it really gives you very low quotes. You’ll almost definitely be directed to third-party web sites of insurers in your space, all of whom might want to communicate on to you to get a real personalized quote.

You may additionally wish to learn:

Is Otto Insurance coverage Accredited by the BBB?


No. Otto Insurance coverage isn’t accredited by the Higher Enterprise Bureau. Whereas it claims to work on behalf of shoppers, Otto’s setup is definitely designed to gather lead-generation info on behalf of insurance coverage corporations. Whereas the corporate is technically legit in that it does not try to extort clients out of cash, it isn’t the handy insurance coverage quote comparability software it claims.

How does Otto Insurance coverage rank total?

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Total, we might charge Otto Insurance coverage on the decrease finish of the spectrum, with a most of 1 star.

In all equity, Otto is pretty clear about the truth that they don’t seem to be really an insurance coverage service while you go to their website. However their claims of offering customers with advance quotes that they will examine free of charge are extremely questionable.

When you could also be introduced with one or two obscure quotes to match, Otto largely alerts you to the truth that an agent shall be contacting you quickly. By submitting your info to Otto, you are much less prone to find yourself with a listing of strong quotes to match and extra prone to find yourself fielding spam calls from extra insurance coverage suppliers than you knew.

Whether or not you’re searching for a web-based insurance coverage quote comparability software or a real insurance coverage supplier, there are much better choices than Otto Insurance coverage.

Execs and cons of auto insurance coverage

When you’ll discover a variety of detrimental auto insurance coverage critiques on-line, in the event you do not thoughts contacting an enormous vary of insurance coverage suppliers straight, it may be price a search for your self. This is a breakdown of the professionals and cons of Otto.


  • Coming into your info into Otto is kind of like alerting each insurance coverage supplier in your space that you’re available in the market for protection.
  • You will not have to attend lengthy earlier than all of them begin contacting you to give you personalized quotes.


  • Otto isn’t a licensed insurance coverage supplier
  • Whereas Otto claims to offer customers the prospect to match charges from completely different insurance coverage corporations, you’ll really discover very low quotes that will not replicate precise costs.
  • Otto requires you to enter a variety of private info, all of which is handed alongside to its 1,000+ insurance coverage companions
  • Utilizing Otto does not actually provide you with entry to insurance coverage quotes which you can examine, however it would lead to a substantial amount of spam calls and emails from completely different suppliers

A greater choice for auto insurance coverage providers

If you happen to’re searching for a simple method to examine insurance coverage quotes, you can even try to seek out the most affordable charges. Relaxation assured that they by no means promote your personally identifiable info. Merely enter your zip code and they’ll information you thru among the greatest choices for auto, residence, renter or life insurance coverage

Discover one of the best charge for you

Listed here are some nice insurance coverage suppliers as effectively:

Many individuals count on to buy protection on the Otto Insurance coverage web site earlier than realizing that Otto isn’t the precise insurance coverage supplier. If this sounds acquainted, we would suggest trying out one among these respected suppliers.


Progressive is the biggest auto insurer within the US and the third largest insurance coverage provider total. With over 27 million clients, Progressive gives insurance coverage for just about something you would ever hope to insure.

From residence and auto insurance coverage to pet and journey insurance coverage, Progressive has you coated. The corporate can be identified for its wide selection of reductions and customization choices.

Getting a quote from Progressive is as simple as selecting the kind of insurance coverage you are fascinated by and filling in your info on their web site. It’s also possible to contact Progressive straight by cellphone, e-mail or chat.



If you happen to’re searching for life insurance coverage, remember to try Prudential. As a Fortune 500 firm, Prudential is thought worldwide for offering insurance coverage and funding providers to people and establishments alike.

First established in 1875, Prudential now serves clients in over 40 nations. The corporate gives a variety of plans, in addition to sources that may make it easier to select the precise one for you.

Merely fill in your info on Prudential’s web site to obtain a quote or attain one of many firm’s representatives with any questions you will have.


We hope this has helped you to get an concept of ​​how Otto Insurance coverage works, what you’ll get from them and whether or not their providers will fit your wants. As at all times, use warning when giving your private info on-line.

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