Honest Policy Logo
Cornerstone National logo

Cornerstone National Car Insurance

Smart Score

84

Industry Average: 75

Smart Score

84
/100

Industry Average: 75

Customer Service

7.7
/10

Industry Average: 7.7

Claims Process

7.8
/10

Industry Average: 8

Value for Price

9
/10

Industry Average: 7

Cornerstone National Overview

Cornerstone Insurance Agency is a small agency that combines personal approach, experience and technology to make sure you don't have to worry about your coverage. For example, at every annual renewal, they pull your file and compare this year to last year, to make sure that you’re still getting the best deal possible, and check for errors in charges. Cornerstone Insurance Agency maintains active appointments with large and reliable insurance companies to provide auto, home, life, boat, recreational, and umbrella policies.

Lines of Business:

Cornerstone National Ratings Breakdown

Smart Score

84

Cornerstone Nat: 84
Industry Average: 75
Cornerstone Nat: 84
Industry Average: 75

Why our Smart Score matters

Cornerstone National’s Smart Score of 84 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Cornerstone National’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 84, Cornerstone National rises above the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

7.7

Cornerstone Nat: 7.7
Industry Average: 7.7
Cornerstone Nat: 7.7
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Cornerstone National’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Cornerstone National’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Cornerstone National’s service score of 7.7, they have a decent rating compared to similar auto insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

7.8

Cornerstone Nat: 7.8
Industry Average: 8
Cornerstone Nat: 7.8
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Cornerstone National. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Cornerstone National handles it.


Cornerstone National’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Cornerstone National.


What does this mean for you?

Evident from a claims score of 7.8, Cornerstone National has a reasonable rating compared to the average claim score of 8 for similar auto insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

9

Cornerstone Nat: 9
Industry Average: 7
Cornerstone Nat: 9
Industry Average: 7

Cornerstone National’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Cornerstone National comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Cornerstone National’s value for price score of 9 is excellent compared to the average of 7 from other auto insurance companies.

With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.

Cornerstone National Auto Official Complaints

Official Complaints

Better than average

Tracks how many more or less official complaints Cornerstone National has than average. With an index of 0 Cornerstone National is better than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Cornerstone National has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Cornerstone National has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0 Cornerstone National is better than average.

Cornerstone National Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Cornerstone National

Available OptionsWhat it meansSee something wrong?
Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Cornerstone National availability in these states

Cornerstone National Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Cornerstone National has below in order to hlep determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionsWhat it meansSee something wrong?
Roadside Assistance

This discount most often offers roadside assistance as a free service on a standard policy. Some insurers require the driver to have comprehensive and collision coverage though.

Compare

How does Cornerstone National compare to other insurance companies? Click the following links below to compare Cornerstone National to other top insurance companies.

Cornerstone National logo
Vs

Other carriers