What does an independent auto insurance broker do?

They work with several insurers rather than one, compare what each would offer for your cars and drivers, and explain the differences in coverage, not just price.

Does using a broker cost more?

Brokers are usually paid a commission by the insurer they place you with, already included in the premium. Ask any broker how they are paid.

Should I check my car for recalls before insuring it?

Yes. Run the VIN through NHTSA’s recall lookup and get any open recall repaired; repairs are free at a dealer.

Find a broker to insure your 2013 Mini Cooper Countryman

Independent brokers compare several insurers for you. Pick your state to see brokers in our directory who write auto insurance there.

Your state

What to have ready

Each car’s VIN, and where it’s parked overnight
Every driver’s license number and date of birth
Your current declarations page, if you have one
Any claims or tickets in the last five years

Before you buy the car

Look the car up first: open recalls, crash ratings and what other owners report all shape what it costs to insure and what to ask.

Look up a car

Questions

What does an independent auto insurance broker do?: They work with several insurers rather than one, compare what each would offer for your cars and drivers, and explain the differences in coverage, not just price.
Does using a broker cost more?: Brokers are usually paid a commission by the insurer they place you with, already included in the premium. Ask any broker how they are paid.
Should I check my car for recalls before insuring it?: Yes. Run the VIN through NHTSA’s recall lookup and get any open recall repaired; repairs are free at a dealer.

Brokers are listed from our professional directory. Underwrite doesn’t sell insurance; this page is general information.