Otto Insurance Review: Is Otto Car Insurance Legit?

We will look at some of the essential things we need to know about Otto car insurance and whether or not it is safe and legit. The internet is flooded with many insurance companies here and there, and sometimes it may look challenging to determine the right one for you. 

Before you think of getting insurance coverage for your car, it is essential to choose wisely so you don’t become a victim of shady insurance companies and internet fraudsters. 

Key Takeaway 

  • Otto Insurance is a safe, reliable, and trustworthy insurance outlet where you can quickly get your car insured within a short period.
  • Understanding Advantages and Disadvantages of Otto Car Insurance
  • Get answers to the most frequently asked questions about Otto car Insurance.
Otto Car Insurance

What Is Otto Car Insurance? 

Otto car insurance is a stand-alone website connecting you to several insurance agents. 

Who Is Otto Insurance Owned By?

The founder of Otto car insurance remains anonymous as not too much is known about the insurance outlet.  

When Was Otto Insurance Founded?

The date on which Otto car insurance was founded has not been disclosed. So, therefore, it is unknown for now. 

What Is The Minimum Coverage for Otto Insurance?

Fortunately, there is no minimum coverage for Otto car insurance since it is not an insurance company. Nearly all states have minimum car insurance required for all drivers.  

Determining what your state requires before getting a car insurance quote is essential. 

How Much Does Otto Insurance Cost?

The website states that you can get car insurance for as little as $19, but this is hard to validate since it doesn’t provide you with any quote. Instead, it redirects customers to the websites of its partners such as Progressive, Geico, Allstate etc. 

Advantages of Otto Car Insurance 

All insurance companies have pros and cons, and it is essential to be familiar with their upsides and downsides. However,  below is a list of the advantages of Otto car insurance. 

  • It is easy to use- Otto is a simple navigating insurance company that is easy to use and understand. 
  • It is free to use- Otto doesn’t take any money from you when you visit their website. It is entirely free. 
  • Otto connects you to insurance companies- Otto aims to connect you to the best insurance companies around so you can get the best insurance coverage. 
  • Otto provides you with quotes for car insurance, pet insurance, home insurance, and life insurance

Disadvantages of Otto Car Insurance 

Below are some of the disadvantages associated with Otto car insurance. 

  • Otto is not an insurance company- Otto is not an insurance company, as most people conclude; instead, it helps to connect you to insurance companies. 
  • Little information is known about the insurance company- The company has little knowledge, and till now, the year in which it was founded and the name of the founder are yet to be known. 
  • Otto shares your information with its partnering companies, which may lead to so many calls,  and emails- Too bad, but that is how Otto works. It shares your personal information with its partnering insurance companies. 

Is Otto Car Insurance Legit? 

You will be lucky to come across Otto car insurance whenever you search for the best insurance companies on the web. Otto is not a certified insurance company, but still it aims to ensure that over 1.7 million of its users get the best attention and are satisfied. 

Otto is a legit, safe,  and reliable insurance site where you can quickly get your car insured. Otto provides multiple choices and lets you stay connected to other insurance companies. 

Some Insurance Coverage Otto Car Insurance Offer 

Otto Car Insurance offers a variety of discount programs to its customers, including a safe driver discount, a good student discount, and a multi-car discount.

Otto car Insurance provides over 80% insurance offers even though it is not an insurance company.  However, below is a list of them. 

  • Comprehensive 

Assuming you get involved in a motor accident, you get injured, and your car is destroyed. Otto will compensate you for the loss, damage,  and injury incurred during the cause of the motor accident, provided that your car is insured. 

  • Collision 

When a person is involved in a motor accident, especially in a collision, and the victim’s car gets damaged, Otto helps to either repair the car, or compensate the victim for the loss, damage,  and injury incurred during the cause of the car collision. 

  • Personal Injury Protection 

Most accidents cause injuries to victims; hence, Otto helps to provide what is known as Personal Injury Protection to injured victims during an accident provided that victims are insured. 

  • Medical Expenses 

Otto also helps to clear up the medical expenses spent to treat insured victims involved in motor accidents. This is also a form of compensating the victims for their loss. 

  • Rental Reimbursement 

If you have to rent another car during that period when yours was damaged in a motor accident, Otto will back you up and help fund the rental expenses. 

  • Roadside Assistance 

Otto will always assist you whenever your car breaks down on the roadside, and if it involves towing of the car, Otto gets you covered. 


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Otto car insurance is a legit, cheap, reliable insurance outlet where you can get your car or pet insured. Otto provides it is over 1.7 million users the choice to choose from any insurance company partnering with it. 

Otto brings you many opportunities and ensures that their customers gain more from spending a little by providing them with more than 80% insurance offers.

You can learn more from the video below:

About Author

Otto Car Insurance
Carlos James
I am a creative writer, researcher and strategic digital marketer who is focused on providing value to the community through my contents and creatives.

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