Cornerstone Auto Insurance Review (2020)

Looking at Cornerstone auto insurance? They offer auto, watercraft, motorcycle, umbrella, and business coverage and have a financial rating of A- (Excellent) by A.M. Best.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 14, 2020

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Company Details
Address: 3100 Falling Leaf Court
City: Columbia
State: MO
ZIP Code: 65201
Phone Number: 888-735-5764
AM Best Rating: A-
Company Rating 0 (0 reviews)

Things to Remember...

  • Cornerstone Auto Insurance strives to focus on providing exceptional customer service
  • Cornerstone Auto is a relatively young company, but they offer a variety of insurance products
  • Cornerstone Auto provides personal auto insurance as well as business, life, and home coverage

A review of Cornerstone Auto Insurance headquartered in Columbia, Missouri finds a company with a secure financial foundation and 15-year history.

Rated A- or higher for the last several years from A.M. Best Company, they have agents in Missouri, Oklahoma, Kansas, Arkansas, and Texas.

Auto insurance is a competitive field and you can save money by comparing auto insurance rates now.

Just enter your ZIP code in our FREE comparison tool!

Cornerstone Auto Insurance Customer Service

Officially known as Cornerstone Group, the company consists of Cornerstone National Insurance Company, Cornerstone Finance Company, and Cornerstone General Agency.

Each facet of the company follows the overall mission of the company which is excellent customer service.

Cornerstone guarantees fast service, personal attention, and interfacing with real people. In fact, they even name their receptionist on their website saying that you will not speak to a machine, but a real live person. Customer service is their top priority.

Claims service is combined with technological advances so customers can file claims the way they feel the most comfortable doing so through an agent, online, or over the phone.

No matter how the claim is filed, Cornerstone customer service is there to answer any questions customers may have about filing a claim or receiving the payout.

The company was started 15 years ago by some insurance executives who saw the companies they worked for at the time losing touch with the customer.

Everything was so streamlined and internet-based that executives and agents could go months without talking to or seeing an actual customer. They wanted to change this about the insurance industry.

Starting with the simplest form of insurance to sell, they eventually built the company to where it is now offering life, health, and property insurance options to both individuals and businesses.

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Cornerstone National Insurance Division

The first division of Cornerstone is their insurance company. This division handles auto insurance and flood insurance.

In the auto insurance department, you can receive a quote, ask questions about a current policy or report a claim. You can also find a local agent who can give you one on one contact and direction.

Having a department solely for auto insurance makes sense because it makes up the largest percentage of policies.

Customers will also find what is called auto accident etiquette. Cornerstone’s accident etiquette reminds customers to always:

  • Stay at the scene until police arrive unless it is dangerous
  • File a police report
  • Gather all necessary information from the other drivers involved
  • Use a camera to take pictures
  • Contact an agent about every accident no matter how minor

The auto insurance division is also responsible for flood insurance. Cornerstone is part of the National Flood Insurance Program (NFIP) which is backed by the federal government. This is to prevent

This is to prevent claims from being denied if a large devastating flood, such as Hurricane Katrina, takes place and thousands of people file claims simultaneously.

Cornerstone Insurance General Agency

The general agency division of Cornerstone is responsible for life insurance and property and casualty insurance because they are more situational than auto insurance.

Auto insurance, though slightly customized, is pretty straight forward while property and life insurance are not.

Policies are customized to meet the specific residential needs of customers whether in a modest setting or living in luxury.

In the commercial division of property and casualty, Cornerstone will write policies for mobile home parks, banks, etc. These are also customized to meet the business goals of customers.

As your business grows, insurance needs change so Cornerstone regularly reviews commercial policies and informs customers of necessary changes.

In the life insurance division of the general agency, Cornerstone offers term and permanent options, child plans, guaranteed life, disability plans, annuities, country clubs, and special risk cases.

Each plan is assessed on a case by case basis to provide the most coverage and the least amount of questions for those left behind.

Finding a good deal on insurance can be challenging but by entering your ZIP code now, you can compare auto insurance rates from several companies finding a great deal!

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