120+ more*Quotes generated for Insurify users within the last 10 days. Last updated on July 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on July 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Más de 10 años escribiendo sobre seguros y finanzas personales
Ex editora asociada de finanzas de Investopedia
Jess es experta en seguros, banca y otros temas de finanzas personales. Sus artículos han aparecido en numerosos medios de comunicación web, como Investopedia.
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10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Shopping for new car insurance can be a headache, but comparison websites aim to simplify the process of getting quotes and comparing auto insurance prices. OTTO claims it can “deliver quotes in seconds” and lets users compare multiple quotes “all in one place.” But OTTO is really a lead-generation tool that connects its users with third-party partner insurers.
If you’re in the market for a new auto policy, here’s what to know about OTTO, its business model, and how past users feel about it.
Users have mixed feelings about OTTO, with many reporting unwanted calls, texts, and emails after using the site to seek quotes.
OTTO has a relatively simple interface where you provide your personal information.
OTTO doesn’t share any real-time quotes from its partner companies, so you don’t get immediate insight into auto insurance rates.
OTTO Insurance isn’t an insurance company or insurance-comparison tool. Instead, it’s a lead-generation website. Companies that use a lead-generation business model typically have a list of third-party partners with whom they try to connect customers.
When you input your personal information into the OTTO website, you consent to sharing that info with its partners, who may contact you directly. They may also sell your information. Unfortunately, this can result in many unexpected calls, texts, and emails from insurance companies.
You also won’t receive any immediate quotes through the OTTO site, so if that’s what you’re seeking, a car insurance company or car insurance comparison site may be a better choice.
If you’re wondering how OTTO works, we went through the process so you can better understand this company.
After clicking to get an auto quote, OTTO requests lots of information from you. Be prepared to provide your vehicle’s make, model, and year, and then personal information like your name, birth date, credit score, marital status, and more.
Here’s what it looks like:
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Once you input your other information, OTTO requests your phone number. Below the input field, you’ll notice some fine print that indicates you’ll likely receive calls, emails, and texts from OTTO’s marketing partners.
Users have reported receiving several calls, texts, and emails after sharing their info with OTTO.
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OTTO won’t show you any quotes or help you buy a policy. But you might be able to secure auto coverage (or home or pet insurance) through one of its partner companies. Remember that insurance rates and insurance discounts vary by company, so it’s a good idea to get multiple quotes.
Insurify partners with 100+ top companies to show you the most quotes
Because OTTO isn’t an insurance company, it doesn’t have company reviews or performance data available on sites like AM Best, the National Association of Insurance Commissioners (NAIC), or J.D. Power. These sites rate insurance companies on metrics like customer satisfaction and financial stability.
But customers have shared feedback about OTTO on review sites like Trustpilot and the Better Business Bureau (BBB). The company earns just 2.3 out of 5 stars from Trustpilot users and 1.44 stars with the BBB. Several reviewers report receiving many unexpected calls and texts from car insurance companies, though some report that the site helped reduce their insurance costs.
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But some users share positive feedback about OTTO:
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OTTO is a legitimate business. That said, it’s a lead-generation tool rather than a true insurance-comparison site. Lead-generation tools share your information with third-party partners that can contact you directly.
When you request a quote through OTTO, it requires you to share your contact information and consent to receive emails, text messages, phone calls, and pre-recorded messages from its partners. Once you consent to these contacts, third-party companies can contact you, even if your phone number is on a “do not call” registry.
While OTTO’s lead-generation business model is relatively common, some online reviewers report that its partners have contacted them frequently via phone and email. Be mindful of this if you plan to get auto insurance quotes through OTTO.
OTTO is a lead-generation website, not a car insurance company or insurance-comparison platform. An independent car insurance company offers its own policies and has its own agents, while an insurance-comparison platform lets you compare real-time quotes online without requiring you to agree to receive emails, texts, or calls from third parties.
Insurify is a quote-comparison website that provides users with real-time insurance quotes from top insurers, including household names like Progressive, Liberty Mutual, and Travelers. It’s a licensed agency in all 50 states and Washington, D.C.
Insurify’s company information is readily available, and feedback from its customers is excellent. Insurify has a Trustpilot rating of 4.7 out of 5 stars.
While OTTO does allow you to get quotes from its partners, you’ll receive few, if any, on its website after entering your information. Instead, insurance companies or agents may contact you directly to provide quotes, which could lead to multiple phone calls and emails.
Compare is another insurance quote comparison tool. It offers real-time quotes from insurance companies like State Farm, Progressive, Allstate, and others. To get a quote through Compare, you simply input some personal and vehicle information, and the site will return a list of quotes from top insurers. When we tested it twice, Compare returned five insurance quotes followed by one insurance quote.
Compare has a rating of 4.7 out of 5 stars on Trustpilot. Users praise its customer service team and simple insurance quote process. Many also mention that the site helped them save money on their car insurance premiums.
Unlike OTTO, Compare gives you car insurance quotes in real-time. Insurers don’t contact you directly over the phone or via email to try to sell you a policy.
Rates start as low as $23/mo. for liability coverage
The Zebra is also an insurance-comparison tool. While it promises instant car insurance quotes after you input your personal information, it returned coverage options from only two insurers when we tested it. And unfortunately, these coverage options didn’t include real-time rates. Instead, we needed to visit specific insurers’ websites to get quotes.
Despite this, The Zebra is well-rated on Trustpilot, earning 4.6 out of 5 stars from reviewers. They indicate the site is easy to use, customer service is responsive and knowledgeable, and it has helped them save money on their car insurance policy.
The Zebra’s business model differs from OTTO’s. The Zebra is an insurance-comparison tool, so you’re less likely to receive several calls, texts, and emails from its third-party partners.
If you still have questions about OTTO, we have answers for you. Here’s what to know about this company and what it offers.
Yes, OTTO is a legitimate company. It connects third-party partners with people seeking new auto, home, or pet insurance coverage.
OTTO uses a lead-generation business model to connect its users with partner insurers. When you submit your personal information to OTTO, you consent to receive calls, texts, and emails from its partners. Some may provide car insurance quotes.
Some users report receiving many phone calls, texts, and emails from OTTO’s partner insurers. Keep this in mind if you plan to use the site to find an auto policy.
COUNTRY Financial has the cheapest average car insurance rates, according to Insurify data. Its minimum-coverage policies start as low as $23 per month. Auto-Owners and USAA also offer cheap rates. Their liability-only coverage starts at $37 and $49 per month, respectively.
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Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
Jess has been a contributor at Insurify since September 2022.
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
Featured in
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