I keep seeing ads for Otto Insurance promising really low rates, and it almost seems too good to be true. I’m wondering if anyone on Reddit has actually used them and ended up saving a significant amount of money without a terrible experience. If you have, could you share what your previous insurance cost and what you pay now with Otto (or the insurer they connected you with)? Also, what was the customer service and claims process like, if you had to use it? I’m trying to figure out if these ads are legit or just a way to get my information.