Is otto insurance legit or a scam – Auto and Life Insurance

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Whenever you search for auto insurance on the internet, the name Otto Insurance appears above. But very few of you know about Otto Insurance. So first of all let me tell you that Otto Insurance is not an insurance company. It is a lead generation site. It generates leads for some insurance companies and earns money through affiliate marketing. This means whatever information you fill on the website, otto auto insurance shares all this information with its business partner.

You guys also know how important auto insurance is. Just last month, my car met with an accident. And it was only 4 months since I bought the car. So when I came to know that it will cost $10,000 to fix the car, I was shocked. But thankfully I already had auto insurance, so the insurance company paid all the expenses of my car. Now let’s talk about whether otto auto insurance is a legit website or is it a scam. So first let me tell you that I did not buy insurance for my car from otto auto insurance.

Very few people know about otto auto insurance but you must have also seen the ads of otto auto insurance on Facebook and Google. So today we will know whether you should buy insurance from otto auto insurance or not.


Is otto auto insurance a legit website?

Otto’s insurance website is about 17 years old. So do you think that a 17-year-old scam website would still be providing its services? This is a good sign. But we will collect more information about the website so that we can know more about otto auto insurance.

otto auto insurance

otto auto insurance is not an insurance company. You can compare the policies of many insurance companies on otto auto insurance. otto auto insurance collects your complete data like email and phone number and gives this data to some insurance company. If any one of you converts then otto auto insurance gets some commission in its balance. Although Otto Insurance is about 17 years old website there is not much information about the company on the internet. And according to 17 years, the company is not very famous either. Very few people in the US know about Otto Insurance.

According to the Crunchbase website, about 1 million visitors come to otto auto insurance every month. So it means that people know about it. Yes, otto auto insurance is a legit company, it has been proven. But till now not much information has been found about how otto auto insurance provides services to you.

How to know whether the website is legit or a scam?

First of all, you have to find out how old the website is. Otto insurance is about 17 years old website, then chances are very less that this website is a scam. Apart from this, there is a website called scam adviser. You can check whether the website is legit or a scam by entering the domain of any website on this website.

otto insurance scam advisor

scam advisor has given the website a score of 97 out of 100 and this is a very good score. This means that the website is not a scam and you can use it.

What insurance does Otto Insurance offer?

Otto Insurance itself is not an insurance company but Otto Insurance works with around 1000 insurance companies. So you can guess that Otto Insurance provides insurance for every sector.

Liability coverage



Personal injury protection (PIP)

Uninsured/underinsured motorist

Medical expense

Guaranteed Auto Protection (GAP) insurance

Rental reimbursement

Roadside assistance and towing

Non-owner insurance

How to get auto insurance on otto auto insurance?

Visit website

Click on “See My Rates”

Enter the zip code of your area.

Click on “Check Rates”.

Select Your Vehicle Year

After this, you have to answer some questions.

Are you currently insured?

How many vehicles need coverage?

You have to answer some more similar questions and at the end, you will be shown the results. Where an insurance company will be suggested to you. I had said earlier also that otto insurance itself is not an insurance company.

You can see in the screenshot that Insurify Insurance Company has been suggested to me. Similarly, I will click on the Insurify link given below and choose a good plan for myself from there. If I buy insurance here, some commission will be given to otto auto insurance by Insurify. That’s why we can say that otto auto insurance has put Insurify’s affiliate links on the website. And otto auto insurance is earning money through affiliate marketing.

It seems that you could also buy car insurance directly from Insurify Insurance Company. That’s why I don’t think we need otto auto insurance so much. They neither did a price comparison nor gave us information about more insurance companies. Just suggested a company to us.

Does otto insurance also provide health and dental insurance service?

Yes, otto insurance provides you with all types of insurance services. If you are looking for a good health insurance plan for yourself, then otto insurance can help you with this.

otto insurance provides you with these insurance services.

  • Auto
  • Pet
  • Home
  • Life

How to get life insurance on otto insurance?

You will see four options on the home page of otto insurance. Out of this, you have to click on the option of life. As soon as you click on life, you will be asked some questions which you have to answer correctly.

Question no. 1: Do you currently have Life Insurance?

Question no. 2: What is your gender?

Question no. 3: Have you used Tobacco Products within the last 12 months?

Question no. 4: Are you currently married?

Question no. 5: Do you have children?

Question no. 6: Do you own any pets?

Question no. 7: What is your date of birth?

Question no. 8: Why are you looking for life insurance?

Question no. 9: What is your height?

Question no. 10: What is your weight (lbs)?

Question no. 11: Are you currently taking any prescription medications?

Question no. 12: In the past 5 years have you been treated or prescribed medication for any of the following conditions?

Question no. 13: Have you been hospitalized or missed more than 1 week of work due to anxiety, depression, or bipolar disorder?

Question no. 14: Are you currently employed?

Question no. 15: What is your address?

Question no. 16: What is your name?

Question no 17: What is your email?

Last step! Your quote is ready. Mobile or home phone number.

So after answering all these questions in this way, a life insurance company will be suggested to you. This will be an affiliate link, if you buy insurance from this link then otto insurance will get a commission instead. So in this way, otto also suggests life insurance. Similarly, you can also apply for home insurance and pet insurance.

Does credit score affect auto insurance premiums?

If your credit score is not good then yes it can have an impact on the premium of auto insurance. But it will not have that much impact. But if you want to take a loan, then you may have to face problems with this. That’s why you should keep your credit score correct. You should pay your loan installment on time. And credit cards should also be used properly. In most credit cards, our credit score is bad, so we should pay the credit card bill on time.

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