Otto Car Insurance – Is It Legit? – Customer Reviews In 2023

published on: March 22, 2023 last updated on: August 24, 2023
Otto car insurance

In today’s world, anything can happen to you and everything you own. Be it your car, pet, house, health, or commercial properties – everything is at risk. Therefore, getting everything insured is the best decision that you can take. This is where Otto Car Insurance steps in to guide you in the right direction.

With the need for insurance increasing daily, investing in the right insurance is crucial for you. Therefore, keep reading to learn more about the insurance company that helps you save more on your insurance.

What Is Otto Car Insurance?

Officially known as Otto Insurance, Otto Car Insurance is not a website for investing in insurance. Instead, it is more of a lead generation site for insurance companies. Here, depending on the insurance you wish to invest in, they will guide you to the right insurer based on your needs.

This company notes the personal information you shared with the site to understand you better. Then, based on your insurance requirements, they will recommend you the right insurer to get insurance from.

Otto Car Insurance helps you out with various forms of insurance. You can approach this website regarding these forms of insurance:

1. Automobile Insurance

Automobile Insurance

Insuring your automobile has become a necessity now. With road accidents becoming commonplace, insuring your hard-earned car from damage is necessary since repair costs can be expensive.

Otto Auto Insurance needs information about your car and its valuation before it can give you the best quote.

2. Pet Insurance

Pet Insurance

Your pets are the best friends that you can ever have. Unlike humans, they will always be by your side, no matter what. Therefore, it’s time you repay this friendship by enduring their health.

Otto Insurance will help you set up the perfect health insurance plan for your pets. They will recommend the best pet insurer after you submit the medical details of your pets to them.

3. House Insurance

House Insurance

No matter what you do, you will always return home at the end of the day. Therefore, why not protect it from various dangers by insuring it?

Here, you can take help from Otto Insurance to get help getting in contact with the right automobile insurer for your car – at the most affordable price possible.

4. Health Insurance

Health Insurance

It is a commonly known quote that your health is your wealth. Therefore, getting health insurance also means insuring your wealth.

Otto Insurances can set you up with the right health insurer to get the most value for your insurance. After being insured, you can live your life to the fullest and fear no one!

5. Commercial Property Insurance

Commercial Property Insurance

If you have a business, it will be the primary source of income for you. Therefore, ensure that you have it financially protected against losses and other misfortunes with insurance.

If you don’t know how to start, Otto Car Insurance will significantly help here. Just let them know of your business and the various commercial properties you own, and wait for them to get back to you soon!

Should You Buy Otto Car Insurance?

As I have stated before, Otto Car Insurance is not an insurer. They merely act as middlemen and advisories between you and the actual car insurer. Therefore, there is obviously only one major pro and con to this – which is also its biggest strength.

To get a quote from this insurance expert to get connected to the best insurer for your requirements, you must provide various personal details about your financial standings and the assets you are insuring.

Therefore, once you provide this information to Otto Insurance, they will convey it to various insurers. This is how they can get the best insurance quotes for you. But in this process, they share your personal information with multiple insurance companies and agents.

Otto Car Insurance: Advantages

Otto Car Insurance Advantages

Otto is straightforward to navigate and totally free to use. The information that is requested from you in their survey is pretty basic, and you will not even have to look through any of your details.

Based on the information that you have provided on the site, you may potentially receive policy quotes from multiple companies, including some of the major providers in the country.

However, a major complaint that customers have against insurance marketplaces, which includes Otto as well, is how they share information with thousands of insurance companies that continue to solicit customers for months even after they have purchased a policy. Many customers have even complained of solicitations that continued for months.

Otto Car Insurance provides you with the opportunity to avoid such outcomes. You may email the company at [email protected] and make a request to erase your information. Taking this step will actually help in putting an end to the frustrating emails and phone calls.

Otto Car Insurance: Drawbacks

Otto Car Insurance Drawbacks

One of the biggest setbacks of Otto apparently is the lack of control that customers have over the amount of solicitations that they are receiving, also, where they are coming from.

As I had already mentioned above, Otto provides its customers with a list of multiple companies, some of which are not even related to insurance in the very first place.

It is disclosed in the finest prints that you are essentially giving Otto and all its partner firms almost an unlimited ability to solicit you for their insurance, along with other products and services.

The site is also very profusely clear about not absolutely guaranteeing that the customer’s efforts on the platform will fetch an insurance company to provide them with the required insurance.

Although Otto provides insurance to multiple areas like life insurance, commercial insurance, home insurance, and even pet insurance, its main focus lies on car insurance. Hence, the application process for either of these insurances is quite similar to car insurance. You will be completing a survey; however, the information that you will provide will be very specific to the type of insurance coverage that you are looking for.

If you still decide to get Otto Insurance, the site has highlighted the benefits of packaging coverage with either the renter’s or the homeowner’s insurance for a discount.

Otto Car Insurance: Pros

  • Provides access to hundreds of insurance carriers.
  • It is free of cost.
  • Personal information can be removed in order to avoid solicitations.

Otto Car Insurance: Cons

  • Makes delays while receiving quotes.
  • An excessively large number of negative online reviews.
  • The website itself is not a direct insurance provider.

How To Request Otto Car Insurance Quotes?

How To Request Otto Car Insurance Quotes
Image Source

To purchase Otto Car Insurance, you must get quotes from various insurance agents. To do so, you must follow a specific process.

  1. First, open the homepage of this website –
  2. Next, you have to click on the option at the top called See My Rates!
  3. Now, you have to enter the zip code of your location.
  4. Then, you must select which type of insurance you want – car, pet, house, health, or commercial properties.
  5. Depending on what you chose above, you will be asked to provide various details in a form. Fill it up and submit it.

Once you are done, you have to wait for some time (maximum 48 hours) to allow them to get back to you with quotes from various insurance companies.

After you get the quotes, you will be provided contact details of various insurers. You can then start to contact them directly and deal with them as you see fit.

Otto Car Insurance Customer Reviews

After checking out some of the Otto Auto Insurance reviews, I discovered that most users confused it as an insurance company.

In addition, most Otto Car Insurance Reviews were dissatisfied with the results and quotes. The most common complaint over here was the fact that Otto Insurance has teamed up with specific insurance companies. Therefore, you will always get quotes from these insurance companies rather than from other companies.

Otto Insurance Review: Is Otto Car Insurance Legit?

Ultimately, we come to the most essential part of this post – is Otto Car Insurance legit? Is it worth it to spend time asking for quotes from this website?

The ultimate answer after taking into consideration the customer reviews is no.

This is because this firm has connections with only a few insurance companies. Therefore, whenever you ask for quotes, the results will always be the same, no matter what your requirements are.

In addition, many users have highlighted that the quotes are priced higher than average. While no reason has been given for this, most say it could be because the quotes include the commission provided to Otto Insurance for connecting the insurer and you.

I hope this post helped you learn more about Otto. If there are any other such insurance brokers you wish to share with others, let us know in the comments below!

Read Also:

Debamalya Mukherjee

Debamalya is a professional content writer from Kolkata, India. Constantly improving himself in this industry for more than three years, he has amassed immense knowledge regarding his niches of writing tech and gaming articles. He loves spending time with his cats, along with playing every new PC action game as soon as possible.

Leave a comment

Your email address will not be published. Required fields are marked *