Why Choose Cornerstone Insurance Agency?
Cornerstone Insurance Agency ( located east of Atlanta) we are true value hunters who look after your pocketbook and specialize in finding the best combination of price, coverage, and service for your car, home, business, and life insurance. As independent insurance brokers, we can compare rates for you with top insurance carriers.
This independence allows us to act in our client's best interest, by shopping the marketplace to give you the best protection at the most competitive price.
Georgia law requires auto insurance. If you own a property and have a mortgage then most lenders require insurance to protect their interest.
Most people would agree it is a good idea to protect yourself and your property against theft, damage, or loss of any kind. So whether it is the state of Georgia, your mortgage company, a landlord at your business, or your spouse make sure there is enough money available if you die prematurely. Protecting your income and assets with insurance has always been a good idea.
We are the Cornerstone Insurance Agency located in Snellville Georgia. We represent fortune 500 companies such as Liberty Mutual, Travelers, Allstate, Progressive, and many others.
We offer auto, home, business, and life insurance products at affordable rates.
Our goal is to shop for the best rates for auto, homeowners, business, and life insurance for you.
Almost everyone has discovered the hard way that the cheapest isn't always the best option, especially when it comes to insurance. A good way to make sure you are getting the best value for your insurance premium is to shop around and compare plans from different companies.
At present, the insurance industry is in a "soft market" which means companies are competing for your business, so you as a consumer have a distinct advantage. What's the best way to shop for car insurance?
There are a lot of options to choose from, which can make picking a policy overwhelming. As well as different types of policies, there are different types of agents and companies to choose from, and rates vary widely.
A good way to shop for auto insurance is to have the agent research for you. An agent can help you determine the limits and deductibles that are right for you, as well as explain any coverage you are unclear about.
There are two types of insurance agents. As a general rule, captive agents represent only one insurance company, so they can only provide you with quotes from that company. Captive agents can offer competitive rates, so don't rule them out. These captive agents work for State Farm, Farmers, Allstate, and Nationwide.
Having access to multiple markets and comparing rates from multiple companies is one of your responsibilities as an independent agent.
The best agent to hire is one who comes highly recommended from a reliable source and should be easy to find. Obtain the names and contact information of your friends, neighbors, co-workers, and family members. People are always happy to tell you about good service as well as bad.
A direct insurer is another way to shop for car insurance. With direct carriers such as Geico and Safe Auto, you deal directly with their customer service department, which may not be local. No commission is paid to an agent, direct carriers' rates are about the same and, you'll lose personal service and the expert advice of an agent. You may never speak with the same person twice.
In this case, you should consider a direct carrier. Many direct insurance companies recommend that you carry only the minimum coverage required by your state, but that may not be enough. Be sure you are not underinsured.
You should always do your research before deciding on a direct carrier. Find out if they have had any problems with customer service, or claims service, and whether they have been criticized for their billing practices. In some cases, such as Progressive, insurance companies can be contacted directly as well as through independent agents.
Buying auto insurance online
Shopping for car insurance online is a good idea? You should feel comfortable obtaining quotes from reputable insurance companies over the internet. Car insurance shopping tips. You can obtain quotes from most large insurance companies' websites, or ask a local agent to provide a quote. To receive an accurate quote, you may need to provide some personal information over the internet.
You can also find online insurance companies, but you must be very cautious when dealing with a company based online. Online shopping for insurance offers the advantage of obtaining a quote and purchasing a policy almost instantly. Make sure you do your research and keep in mind that if it sounds too good to be true, it probably is.
Make sure you have all your information ready when you start shopping; you will need your personal information as well as the make, model, and VIN of each vehicle you own. An agent or representative may also ask about past claims or driving history. Be honest and truthful when answering all questions. Even if the accident or claim was on your parents' or another party's policy, you should disclose it. Your policy may be canceled or worse, a claim may be denied, if you withhold information from the insurance company.
Auto insurance questions to ask before purchasing
To make an informed decision about an insurance contract, you should ask the following questions:
If I make a claim or have a traffic violation in the first year, will my rates go up? Is there a percentage increase?
Are there any discounts available to me?
Many types of discounts are offered by insurers including multiple policy discounts, alarm credit discounts, student discounts, good driver discounts, accident-free discounts, married status discounts, mature driver discounts, prepaid discounts, and membership discounts. Unless you ask, you will never know.
The claim service of the company is good, how is it?
Your policy must have this feature. You have insurance for this reason. You want to make certain you will be treated fairly and that your claim will be settled as soon as possible if you make a claim. Check if the company uses local representatives or independent adjusters to settle claims in your area. Ask if the claims service has been satisfactory to the agents' customers.
Any coverages that are unclear to you should be explained, and the limits that are right for you should be chosen. Among the most misunderstood coverages are Uninsured/Underinsured Motorist, Uninsured Motorist Property Damage, and Loan/Lease Gap.
The Bottom Line When It Comes To Shopping For Auto Insurance
Our article on how to shop for auto insurance has hopefully been informative. Ensure that all drivers and vehicles are listed on your auto insurance policy correctly and that you have chosen the appropriate deductibles and coverage limits once you have purchased the policy. If there are any errors, you should correct them before submitting a claim.
If you're looking for an independent insurance agent you can trust, contact us today for a complete evaluation of your insurance needs. We'll make recommendations on what coverage is right for you, and answer any questions you have.
What We Offer-Call 770-413-0807
A Local Agency You Can Trust
Cornerstone Insurance Agency is a member of the local community and we understand the needs of our diverse customers. As an independent agent, you can trust that we work for you — not for the insurance companies.
We have your best interests at heart, and will work with you to find an insurance plan that meets your needs.
Whether you are looking for insurance for yourself, your family, or your business, Cornerstone Insurance Agency has a solution that will meet your needs.
More Choices. Better Service.
As an independent agent, we offer insurance policies from many insurance companies, which means we can "shop" a variety of insurance options for you.
We take pride in our diversity of insurance options and work hard to tailor policies to meet the needs of each and every unique customer.
Once we've found the right insurance policy for you, we'll provide you with exceptional and reliable service. You can count on us to be there for you if you have a claim, or simply a question or concern.