Cornerstone Auto Insurance Review

Obtaining auto insurance quotes that best fits a customer’s budget for insurance policies that will sufficiently cover the customer’s needs can be a daunting process. Very few people have the time or patience to scour the network of information provided so it’s absolutely necessary to have a way to do this that’s both quick and simple. Using online tools to get this information has become the most expeditious way to do this so it’s imperative that customers have access to this tool.

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Cornerstone Auto Insurance offers an online tool that allows applicants to get the best possible auto insurance quotes for free. Within minutes of filling out their short form, applicants will be able to compare multiple rates and coverage that apply to their circumstances. This can be done in the comfort of the applicants’ home without having to deal with bothersome sales pitches that can sometimes cause unnecessary confusion.

The Video Corner: A Practical Way to Obtain Coverage Information

Reading is not for everyone and trying to read and understand the language that explains the types of coverage that’s available can be a frustrating task. Cornerstone Auto Insurance has developed video selections that are short and easy on the eyes that explain the basics regarding the different types of auto insurance coverage in layman’s terms. After viewing these videos, prospective customers will have the answers they need to be able to either formulate their questions for further discussions with an appropriate agent or make an informed decision regarding their choice of coverage.

Types of Available Coverage

Cornerstone Auto Insurance carries the typical auto insurance coverage that other companies carry. However, the difference is in the uncomplicated and direct manner in which this information is presented and many customers will find it a welcome relief to their senses.

• Property Damage Liability: This type of insurance will not only cover the cost of car repairs but will also cover the costs of the damage that’s done to someone else’s property. Additionally, it can also cover legal defense costs in the event a lawsuit is filed. However, Cornerstone makes it very clear that if a customer selects a liability limit that’s too low, they could suffer significant financial loss if the cost of repairing the damage is higher than the chosen limits. Therefore, customers must weigh their options carefully before making their decisions concerning liability limits.
• Bodily Injury Liability: This insurance will cover injuries inflicted on or the death of other people for which the driver is responsible. It too covers legal fees and judgments in the event a lawsuit is filed but it doesn’t cover damage to vehicles. This coverage is mandatory in most states and Cornerstone warns that the protection limits chosen will make all the difference between financial salvation or devastation.
• Personal Injury Protection (PIP): This type of insurance pays a specified amount to cover injuries sustained by the driver, family members and other passengers in the car at the time of the accident. Cornerstone goes on to explain that certain portions of PIP coverage can be removed because it may be already covered under health insurance.
• Comprehensive Auto Insurance: This insurance pays for damage to vehicles that’s caused by something other than an accident. Cornerstone explains that while this type of insurance is not usually required by state law, if there’s a lease or loan on the vehicle, the owner of the lease or loan will likely require the driver to obtain comprehensive insurance. They also explain that when considering options for choosing insurance, if the driver owns an older car that they’re no longer making payments on, it could be to their advantage not to take out this type of insurance.
• Collision Insurance: If a person’s car is leased or financed, having collision insurance could behelpful.
  

  Collision insurance will pay to repair a car that has been in an accident with another car or object after the deductible has been paid.

  There are restrictions on what this insurance will cover and Cornerstone again takes the time to explain that if a car is old and not in the best condition, it may not be worth it to take out collision insurance.

• Uninsured Motorist Property Damage: Given that there are a substantial number of drivers who do not have sufficient or any auto insurance coverage, drivers with this type of insurance can cover their vehicle and injuries in the event they collide with an uninsured driver. Also, if a person also has collision insurance, uninsured motorist insurance will pay the deductible on the collision insurance that could result in little to no out-of-pocket costs. However, Cornerstone alerts customers to the fact that the only way this type of insurance will pay out is when an uninsured driver is involved and that driver is at fault for the accident.

Cornerstone Auto Insurance makes sure its prospective customers understand that the coverage provided by all insurance policies is limited to the terms and conditions cited in those policies. After viewing and comparing the quotes and coverage provided by Cornerstone Auto Insurance, people will be well equipped for conclusive discussions with their capable insurance agents to help them make the final decisions on the best types of auto insurance coverage. Make sure you type in your ZIP code on our website to get FREE auto insurance quotes.