Cornerstone Auto Insurance Review

Key Points:

• Cornerstone offers essential auto insurance coverage for drivers in seven states.
• Cornerstone has a positive industry reputation but mixed reviews, with clients highlighting issues with customer service.
• Drivers should compare quotes from Cornerstone with providers like State Farm or USAA to get the best view of their coverage options.

If you’re shopping around for car insurance, you may have come across Cornerstone National Insurance. There isn’t much information about this insurer on the company’s website, so in this review, we do some digging into Cornerstone auto insurance coverage, discount opportunities, and customer satisfaction ratings. We’ll also offer our recommendations for the best car insurance companies to compare quotes from, based on our industry research.

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Cornerstone National Insurance Overview

Cornerstone National Insurance was founded in 1997 and is headquartered in Missouri. The company was recently acquired by CFM Insurance but continues to manage itself separately. It isn’t accredited by the Better Business Bureau (BBB), but it does have an A+ rating from the platform and an A- financial strength rating from AM Best.

Cornerstone auto insurance is available in seven states:

• Arkansas
• Illinois
• Indiana
• Kansas
• Missouri
• Oklahoma
• Tennessee

Over the years, the insurance provider operated with the goal to provide fast service with personalized attention from agents. In addition to car insurance, you can get homeowners insurance through Cornerstone.

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Cornerstone Auto Insurance Coverage

If you choose to go with Cornerstone, you will have access to the standard types of car insurance products:

• Liability auto insurance
• Collision insurance
• Comprehensive car insurance
• Medical payments (MedPay)
• Personal injury protection (PIP)
• Uninsured/underinsured motorist coverage

According to its website, Cornerstone also offers 24/7 roadside assistance–which includes towing, emergency fluid delivery, flat tire replacement, jump starts, and lock out services–and rental car reimbursement.

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Cornerstone Auto Insurance Cost And Discounts

Car insurance rates vary by driver and vehicle, so it can be difficult to estimate how much you’ll pay with a certain provider unless you reach out for a quote yourself. Personal factors like your age, marital status, and driving history affect your premium, as well as the make, model, age, and mileage of your vehicle.

Cornerstone doesn’t list all its available auto insurance discounts on its website, but it does mention a multi-policy discount that allows those who bundle auto and home insurance policies to save. For a more exhaustive list of discounts that may be available to you, contact your insurance agency or agent.

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Cornerstone Reviews And Ratings

Cornerstone National Insurance has a 3.1-star rating on Google reviews. Positive reviews praise helpful customer service representatives. Unhappy customers complain about coverage misunderstandings and being unable to contact an agent during the claims process. Comments frequently state that the Cornerstone auto insurance claims process is long and arduous.

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Apps And Technology

Unfortunately, Cornerstone National Insurance doesn’t have a mobile app for customers to manage their auto policies on the go. The website has a customer dashboard where customers can make payments, access insurance ID cards, view policy documents and update information, and file insurance claims.

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Cornerstone Auto Insurance: Our Take

Cornerstone National Insurance earns a 4.0-star rating from our review team for the company’s strong industry reputation and coverage selection. However, you won’t find many extras with Cornerstone auto insurance, and customer reviews are poor regarding communication and pricing.

While Cornerstone Auto isn’t the most well-known name in the insurance industry, the company may have uniquely low rates for some drivers. Speak to a local Cornerstone insurance agent and compare quotes from several providers to get peace of mind with the best coverage for your needs.

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Top Recommendations For Car Insurance

When you’re shopping for car insurance, make sure you do your research and compare multiple quotes. This search allows you to get the best rates and find an insurance company that has the coverage you value most.

To help you out, we reviewed the best car insurance companies in areas such as coverage, customer service, affordability, and discounts. Reach out to one of the providers below for a free quote to compare during your insurance shopping experience. Each company has benefits for drivers with different insurance needs.

State Farm: 4.7 Stars

State Farm earned a 4.7-star rating from our team for the company’s affordable rates and above-average customer service from local agents. This provider offers a variety of coverage including roadside assistance and rental car reimbursement. There are also many discount opportunities for things like going accident-free, bundling policies, and having certain safety features installed in your car.

Read more about the company in our in-depth State Farm insurance review.

USAA: 4.5 Stars

USAA is known for its high level of customer service, which helped the insurance company earn a 4.5-star rating in our industry review. Coverage from USAA is only available to members of the military and their families. However, the insurer offers full coverage at very affordable rates. You can get extras like roadside assistance and glass coverage too. Ask an agent about discounts for low annual mileage, defensive driving courses, and signing up for automatic payments.

Learn more about coverage in our full USAA auto insurance review.

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How We Rate Insurance Providers

Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:

• Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
• Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
• Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
• Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
• Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
• Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.

*Data accurate at time of publication.

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