Otto Car Insurance Reviews 2024

Otto Car Insurance Reviews

Read Otto Car Insurance reviews to see how easy it is to compare auto insurance options. Otto Insurance is a website for generating leads and works in partnership with multiple providers who provide diverse coverages, including car insurance.

Otto Car Insurance Review

According to the people who have used Otto car insurance there are some pros and cons such as

  • While the online application process on Otto Car Insurance’s website is easy to navigate, I feel the details provided on the page could be improved upon somewhat. The interface is certainly user-friendly, yet the amount and depth of information sent feel somewhat restricted
  • The insurers may examine various alternatives until they find the optimal solution according to their requirements.
  • By gathering information from insurers, Otto Insurance ensures that they are paired with the most suitable single-car insurance provider. However, this process also increases the risk of sharing information with third parties.
  • Collecting information from insurers does not always provide Otto insurance with accurate insurance quotes according to the insurer. The quotes may not precisely reflect what the various insurers would charge for coverage. Precise quotes are required.
  • According to the users, Otto insurance is easy to use as it’s completely free and this is crucial as trustworthy online quote websites do not impose any fees.
  • One downside is that the website shares your personal information with multiple companies, which may result in receiving calls from representatives of those companies. This was not well-received by some users who received a high volume of phone calls after submitting the form.
  • According to consumers, one notable aspect of Otto insurance is their prompt processing of claims, demonstrating a dedication to efficiency. They have implemented efficient and streamlined procedures to promptly evaluate and resolve claims, reducing any possible inconvenience for their policyholders.
  • Another positive response from customers regarding the resolution and payout of their claims is a testament to the good reputation of OTTO Insurance.
  • Through the Otto insurance app, policy details can be easily accessed, claims can be filed, and users can track their progress. The mobile application of OTTO Insurance is a powerful tool that offers more than just basic features.
  • According to certain customers, the customer service provided by Otto Insurance is highly commendable.
  • According to various clients, OTTO has been labeled as a “scam” and “deceptive” as they reported not receiving any quotes but being inundated with emails and phone calls from partners.
  • As of January 2024, OTTO only has a single review on its Better Business Bureau page. However, there have been four customer complaints regarding a deficiency in providing quotes and receiving unwanted communications from non-insurance entities.
  • Otto Insurance offers a variety of insurance options, including pet insurance, home insurance, and life insurance. This allows consumers to conveniently find all their insurance needs in one place instead of having to visit multiple websites.

The main point of the given text is that while Otto Car Insurance’s online application process is user-friendly, there are concerns about the amount and depth of information provided and the risk of sharing information with third parties.

Additionally, there are mixed reviews regarding the resolution of claims and customer service, with some customers experiencing issues and labeling OTTO as a “scam” or “deceptive.” However, Otto Insurance offers a variety of insurance options and has a dedicated mobile application for easy access to policy details and claims tracking.

What is Otto Insurance?

Otto Insurance is an online platform that helps individuals compare and find the best car insurance coverage for their needs. It’s not an insurance provider itself, but rather a lead generation website that partners with multiple insurance companies. Here’s how it works:

What Otto does:

  • Compares quotes: You enter your information and details about your car, and Otto retrieves quotes from multiple insurance providers that match your criteria.
  • Highlights options: They present the quotes in a clear and easy-to-understand format, showing different coverage levels and prices.
  • Offers additional tools: You can use educational materials and interactive tools on the platform to understand different coverages, calculate potential costs, and make informed decisions.
  • Connects you with providers: Once you choose a quote, Otto connects you directly with the selected insurance company to start the policy purchase process.

Benefits of using Otto:

  1. Convenience: Comparing multiple quotes in one place saves you time and effort.
  2. Transparency: You see different options side-by-side, making it easier to compare coverage and prices.
  3. Potential savings: Otto aims to help you find the best deal by accessing numerous providers and potential discounts.
  4. Education: The platform provides resources to learn about car insurance and make informed choices.

Things to keep in mind:

  • Not all insurers: Otto may not partner with every available insurance company in your area.
  • Quotes may not be final: The final price you pay may differ slightly from the quoted amount based on individual factors.
  • Do your research: While Otto simplifies the process, it’s still important to research individual providers and coverages before making a decision.

An internet-based platform designed for individuals to compare different auto insurance options. Otto Insurance operates within the B2C sector, specifically targeting the FinTech, InsurTech, Auto Tech, and Auto market segments.

One of the greatest aspects of Otto insurance is its inclusion of all major insurance companies. Additionally, it utilizes your data to find the most suitable match with a single-car insurance provider that offers the most affordable rates.

Also Read: How to get the Best Car Insurance Rates?

Otto Insurance does not offer its insurance, instead, it serves as a liaison between the customer and other providers, such as other insurance companies.

You have the option to tailor your car insurance policy with additional coverage choices, based on the provider selected for you by Otto Insurance, such as:

  1. If you possess a spotless driving history for a designated time frame, your insurance provider will “pardon” a single accident where you were at fault and maintain your current rate.
  2. Your insurance company provides a service called roadside assistance, which is designed to assist with emergencies that occur on the road. This includes tasks such as towing, jump-starts, changing tires, delivering fuel, and providing lockout assistance.
  3. Otto insurance provides the facility of rental car reimbursement and this coverage helps with the expenses of renting a car while your vehicle is being repaired after a covered accident.
  4. Individuals who work as drivers for ridesharing companies such as Uber and Lyft can receive additional coverage with this insurance.
  5. The online platform serves as a valuable resource for policyholders, offering a range of educational materials and interactive tools for customizing policies. These digital elements play a significant role in empowering and informing the customer base.
  6. When utilizing Otto Insurance, you have the potential to access numerous discounts on car insurance from different providers, enabling you to save on your premiums. 

These discounts encompass a range of categories, including incentives for being a good/safe driver, discounts for students, bundling discounts for combining multiple policies, loyalty rewards for long-term customers, paperless discounts for opting for digital documentation, military discounts for service members, as well as discounts for vehicles equipped with safety features or anti-theft devices.


Who owns Otto Insurance?

Joshua Keller is the founder and CEO of Otto Insurance. He has a background in technology startups and has established other companies like Union Square Media Group, the parent company of Otto.