I was paying around $90 a month for bare-bones liability insurance on an older car. Otto’s ads made me think I could get even cheaper coverage. After submitting my information, I got a flood of calls, and the absolute lowest quote I received was $85 a month, again for minimal coverage. The “savings” of $5 a month was negligible, and the sheer volume of spam calls I received in exchange made it a terrible experience. I ended up staying with my original insurer.