I've also seen those ads for Otto Insurance and I was skeptical at first, but after doing some research, it seems like they're a legit company that helps you compare insurance rates from different providers. From what I've read, they don't actually sell insurance themselves, but rather act as a middleman to help you find the best deals. Some people have reported saving money on their insurance premiums after using Otto, while others haven't had as much luck. It's probably worth checking out if you're in the market for new insurance, but as with anything, be sure to read the fine print and don't expect miracle savings.