OTTO Insurance Review [2024]

Explore the comprehensive landscape of OTTO Insurance, a unique online comparison site for car insurance, offering a platform to efficiently compare rates from multiple companies and make informed decisions to secure the best auto insurance deals available.

UPDATED: Dec 15, 2023Fact Checked

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: Dec 15, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Dec 15, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 15, 2023Fact Checked
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OTTO Insurance

Average monthly rate for good drivers:

N/A

A.M. Best rating:

N/A

Complaint level:

Low

Pros

  • Free to use
  • Provides quotes from multiple auto insurance companies

Cons

  • You cannot choose what companies you receive quotes from
  • The quoted rates are not guaranteed
  • You may need to provide additional personal information to receive an accurate quote

Final Verdict: Review of OTTO Insurance

OTTO allows you to compare quotes online from various auto insurance companies for free. But some customers state that you may get more phone calls than quotes by using this website.Fortunately, there are many safe and reliable rate comparison websites like OTTO out there today.

There’s no need to visit the OTTO auto insurance company website when you can simply enter your ZIP code into our free quote comparison tool below to compare accurate rates from the best companies near you quickly.

[su_box title="The Lowdown" style="default"]
  • OTTO is not actually an auto insurance company
  • OTTO insurance sends your information to thousands of affiliates and companies after you fill out an online form
  • OTTO is free to use and also provides pet, home, and life insurance quotes for comparison purposes
[/su_box] In this OTTO insurance review, learn if this company is safe to use, determine how accurate the rates are, and discover if it’s the right online quote tool for you to use while shopping for your best auto insurance coverage. OTTO Insurance is a quote comparison website and not actually an auto insurance company. Fortunately, instead of affordable OTTO auto insurance, you can compare real rates from the top companies in your region for free right now simply by entering your ZIP code into our quote comparison tool above.

What You Should Know About OTTO Insurance

The Lowdown

  • OTTO is not actually an auto insurance company
  • OTTO insurance sends your information to thousands of affiliates and companies after you fill out an online form
  • OTTO is free to use and also provides pet, home, and life insurance quotes for comparison purposes

In this OTTO insurance review, learn if this company is safe to use, determine how accurate the rates are, and discover if it’s the right online quote tool for you to use while shopping for your best auto insurance coverage.

OTTO Insurance is a quote comparison website and not actually an auto insurance company. Fortunately, instead of affordable OTTO auto insurance, you can compare real rates from the top companies in your region for free right now simply by entering your ZIP code into our quote comparison tool above.

What is OTTO Insurance?

OTTO is an online insurance quote comparison website. It is not an auto insurance company and does not technically sell traditional or non-standard insurance coverage. So you cannot submit any OTTO auto insurance claims or purchase any specific coverage options from this company. Plus, there are no average OTTO auto insurance rates.

Instead, you complete a short online form on the OTTO website. After submitting the form, it provides you with quotes from multiple real auto insurance companies based on your information. In the table below, view the OTTO insurance contact information.

OTTO Insurance Contact Information
Company DetailsContact Information
Address429 Lenox Ave Fl 5,
Miami Beach, FL
33139
Phone number1-855-534-4513
Email address[email protected]

Like many online quote comparison websites, you cannot choose what companies you receive rates from. Instead, the information is sent to the network of over 1,000 company partners or affiliates. Also, despite the website stating that you’ll receive quotes in as little as 30 seconds, the quoted rates are not guaranteed.

Instead, you connect with an agent representing the company you’re most interested in. You often must provide additional personal information to the auto insurance company. Then you’ll receive your accurate, final quote. This is typical for many online quote comparison websites.

Fortunately, OTTO is free to use. This is important because reputable online quote websites never charge any fees.

OTTO Insurance Contact Information

Company Details Contact Information
Address 429 Lenox Ave Fl 5,
Miami Beach, FL
33139
Phone number 1-855-534-4513
Email address [email protected]

Like many online quote comparison websites, you cannot choose what companies you receive rates from. Instead, the information is sent to the network of over 1,000 company partners or affiliates. Also, despite the website stating that you’ll receive quotes in as little as 30 seconds, the quoted rates are not guaranteed.

Instead, you connect with an agent representing the company you’re most interested in. You often must provide additional personal information to the auto insurance company. Then you’ll receive your accurate, final quote. This is typical for many online quote comparison websites.

Fortunately, OTTO is free to use. This is important because reputable online quote websites never charge any fees.

How do you buy OTTO auto insurance?

As previously mentioned, after you receive your list of quotes from OTTO’s partner companies, it is up to you what agents you communicate with further. Agents usually try to contact you by phone or email to follow up with the company you’re most interested in to finalize your application.

How do you know if your quotes are actually low-cost? You can compare it to the national average cost of auto insurance. According to the National Association of Insurance Commissioners (NAIC), the average cost of auto insurance in 2018 was $99.16 per month, or $1,190 annually.

You make the final purchase through the auto insurance company you buy a policy from. From then on, all communication about your policy, monthly bills, claims, and more is also through that company.

OTTO Insurance Coverage Options

One of the pros of using OTTO is that you’re connected to thousands of affiliates, which provide you with many potential options for auto insurance coverage. Using the website is also free, and the questionnaire is simple and easy to follow. You can also compare quotes for other insurance lines, like OTTO homeowners insurance and more. The other insurance types include:

  • Pet insurance
  • Home insurance
  • Life insurance

However, some cons include that the website shares your information with many other companies, and representatives for those companies may contact you. Some users did not appreciate the number of phone calls that they received after submitting the form.

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OTTO Insurance Rates Breakdown

Driver ProfileOTTO InsuranceNational Average
Clean Record$155$141
1+ Ticket$169$163
1+ Accident$184$189
DUI$233$210
Poor Credit$267$243

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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OTTO Insurance Discounts Available

DiscountOTTO Insurance
Anti Theft2%
Good Student10%
Low Mileage5%
Paperless3%
Safe Driver12%
Senior Driver9%

Discover unparalleled savings with OTTO Insurance as they go beyond the ordinary, offering an array of enticing discounts that cater to diverse needs. Unveil a world of cost-effective possibilities as OTTO strives to make auto insurance not just a necessity, but an affordable and personalized experience.

  • Safe Driver Discount: Rewards policyholders with a clean driving record.
  • Multi-Vehicle Discount: Offers savings for insuring multiple vehicles under the same policy.
  • Good Student Discount: Provides discounts for students who maintain good academic standing.
  • Bundle Discounts: Offers savings when bundling auto insurance with other policies like home or renters insurance.
  • Anti-Theft Device Discount: Rewards policyholders for having anti-theft devices installed in their vehicles.
  • Defensive Driving Course Discount: Offers discounts to drivers who complete an approved defensive driving course.
  • Military and Veteran Discount: Provides special discounts for active military members and veterans.
  • Affiliation Discounts: Offers savings for members of certain organizations or affinity groups.
  • Loyalty Discounts: Rewards long-term customers with discounts for their continued loyalty.

OTTO Insurance stands as a beacon of financial prudence in the realm of auto insurance, ensuring that savings are not just a possibility but a tangible reality. With a spectrum of discounts tailored to individual circumstances, OTTO empowers customers to secure reliable coverage without compromising their budgets.

How OTTO Insurance Ranks Among Providers

While OTTO Insurance operates as an online comparison platform, its main competitors are other prominent players in the insurance comparison industry. These competitors also assist consumers in finding the best insurance deals from various providers. Here are some of OTTO Insurance’s main competitors:

  • Progressive: A major player in the insurance industry, Progressive not only provides its own policies but also allows users to compare rates from other insurers through its platform. Known for its innovative policies and user-friendly experience, Progressive competes directly with OTTO in the realm of insurance comparison.
  • Geico: As one of the largest auto insurers in the United States, GEICO offers an array of insurance products. Similar to OTTO, Geico allows users to compare quotes online and has a strong online presence, making it a notable competitor in the comparison space.
  • The Zebra: Specializing exclusively in insurance comparison, The Zebra focuses on providing users with a platform to compare auto insurance rates from various companies. Its emphasis on simplicity and transparency makes it a key contender alongside OTTO.
  • Insurance.com: This established online insurance comparison site enables users to compare auto insurance quotes, similar to OTTO. With a wide network of insurers, Insurance.com competes for the attention of consumers seeking the best insurance rates.
  • Compare.com: Positioned as a comprehensive insurance comparison platform, Compare.com competes directly with OTTO by allowing users to compare quotes for various insurance products. Its emphasis on simplicity and efficiency aligns with the goals of OTTO.

As the insurance comparison landscape continues to evolve, these competitors vie for the attention of consumers seeking a seamless and cost-effective way to secure the best insurance coverage. Each brings its unique approach and features to cater to the diverse needs of insurance shoppers.

OTTO Insurance Claims Process

Ease of Filing a Claim

OTTO Insurance provides a hassle-free claims process, offering multiple avenues for filing a claim. Policyholders can submit claims conveniently through the online portal, over the phone, or via dedicated mobile apps. This flexibility ensures that customers can choose the method that suits them best, enhancing overall convenience.

Average Claim Processing Time

The average claim processing time with OTTO Insurance is noteworthy, emphasizing a commitment to efficiency. Quick and streamlined procedures are in place to assess and settle claims promptly, minimizing any potential inconvenience for policyholders.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts reflects positively on OTTO Insurance. The company’s dedication to fair and prompt settlements has garnered favorable reviews. Policyholders appreciate the transparent and responsive approach, contributing to a positive overall claims experience.

OTTO Insurance  Digital and Technological Features

Mobile App Features and Functionality

OTTO Insurance’s mobile app is a robust tool that extends beyond basic functionality. Users can conveniently access policy information, file claims, and track their status directly from the app. The intuitive design ensures a user-friendly experience, making it a valuable companion for on-the-go insurance management.

Online Account Management Capabilities

With OTTO Insurance’s online account management capabilities, policyholders have comprehensive control over their insurance accounts. From reviewing policy details to updating information, the online portal offers a seamless and secure platform for managing policies. The user interface is designed to be intuitive, empowering customers with easy access to essential features.

Digital Tools and Resources

OTTO Insurance excels in providing digital tools and resources that enhance the overall customer experience. From educational materials to interactive tools for policy customization, the online platform is a valuable resource for policyholders. These digital features contribute to a more informed and empowered customer base.

Frequently Asked Questions

What is OTTO Insurance?

OTTO Insurance is an online quote comparison website that allows you to compare auto insurance rates from multiple companies.

Can you buy auto insurance directly from OTTO Insurance?

No, you cannot buy auto insurance directly from OTTO Insurance. It is a quote comparison website, not an insurance provider.

How do you request auto insurance quotes from OTTO Insurance?

To request auto insurance quotes from OTTO Insurance, you need to visit the website and fill out a short online form with information about your ZIP code, vehicle make and model, and more. After submitting the form, OTTO Insurance provides you with quotes from multiple real auto insurance companies based on your information.

What happens after you receive quotes from OTTO Insurance?

After receiving quotes from OTTO Insurance, you must choose which companies you want to communicate with further for a final quote. Agents from the auto insurance companies listed may contact you through your phone number or email address.

Are the quotes provided by OTTO Insurance guaranteed?

No, the quotes provided by OTTO Insurance are not guaranteed. You often must provide additional personal information to the auto insurance company to receive your accurate, final quote.

Compare Insurance Providers Rates to Save Up to 75%

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Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption