An Auto Insurance Plan Made Just For You

Get the coverage you need for your vehicle at a price you can afford.

Everyone Deserves To Live Covered.™

A lot of people have auto insurance plans that don’t actually fit their needs, which means they are either overpaying or are undercovered. At Cornerstone Insurance, we take the time to get to know you first and then put together a plan that actually fits. That way, you get the most value out of every dollar and get the vehicle coverage you need without overpaying.

5-Star Tampa Auto Insurance Company

Looking for auto insurance Tampa residents can count on? Cornerstone Insurance is here to help. We are a family-owned and operated Trusted Choice® independent personal lines insurance agency serving Floridians in Tampa, Orlando, Ocala, Jacksonville and many towns and cities in between. Our independent Tampa agency offers a one channel insurance solution for Florida residents.

Because we are independent, we offer our clients many of the top A rated car, truck, minivan and SUV insurance carriers in the state, at the best premiums and with the service, diligence and professionalism they deserve.

3 Easy Steps to Better Coverage

Step 1

Get A Quote

Because we take the time to get to know you and ask the right questions, we’re able to put together a quote that fits you best, so you don’t overpay for your car insurance.

Step 2

Review Your Options

As an independent insurance agency, we are able to work with a wider number of providers than most agencies, so you get the best value for your policy.

Step 3

Breathe Easy!

We’ll walk you through the whole process, help you cancel your previous coverage, and are here for you whenever your insurance needs change.

Here's What Our Clients Have to Say

Car Insurance Options in Florida

When searching for personal auto insurance, Tampa FL residents have many choices, but finding the right car insurance policy for your individual needs can be a challenge. Many insurance agents in the Tampa area are exclusive to only one carrier. But when choosing Cornerstone to provide your auto insurance, Tampa auto owners will receive multiple coverage quotes from multiple highly rated companies like Progressive, Travelers, Mercury Insurance Group and many others. These are companies that have a proven track record of reliability and affordability.

Frequently Asked Questions About Auto Insurance

Do I really need car insurance in Florida?

Many people wonder if they really need auto insurance. Tampa drivers should be aware that if you own a vehicle, it is the law that you have at least the state minimums of PIP (Personal Injury Protection) and property damage liability. If your car has a loan, the finance company may also require collision insurance until the loan is paid off. Here are some other reasons why it is wise to carry auto insurance:

If your motor vehicle is ever stolen or totaled in an accident, it will cost a lot of money to replace it without insurance.
If you are ever in an accident where you or other passengers sustain injury, you may be held liable for the medical costs.
If your vehicle ever causes damage or serious injury to others, you could be sued for far more than your net worth.

How much auto insurance coverage do I need?

That depends on your individual situation. You only “need” to carry what the state and/or your financial institution requires. However, it is best to have enough coverage to protect you and your family. When considering the amount of coverage needed for auto insurance, Tampa Florida drivers should also consider the following:

What can you afford to pay out of pocket in the event of an auto accident? If you can afford to pay more for possible repairs, then you may want to choose a policy with a higher deductible, saving you money on your premiums.
Does your car have a loan against it? If the answer is yes, you will probably be required to carry collision car insurance.
What is your total financial worth? You will want your liability limits to equal or exceed your total net worth. This will protect you and your family from a lawsuit. If your net worth is higher than the maximum liability limit on the auto insurance, you may want to consider an umbrella policy.

Which car insurance carriers do you work with?

Because we are independent, we offer our clients the best carriers, at the best premiums and with the service, diligence and professionalism you deserve. We represent many of the top car, truck and SUV insurance carriers, including Progressive Insurance, Travelers Insurance, Mercury Insurance, Mapfre Insurance, and Safeco Insurance.

What other types of insurance do you offer?

Cornerstone’s carriers provide a comprehensive range of personal insurance products for Florida residents, including:

Theresa M.

Hyung K.

James helped me get the right insurance I needed for closing in matter of few hours. Thank you for making this process so smooth.

Paola N.

After our homeowners carrier stopped writing business in Florida we found ourselves needing a new homeowners insurance policy in two days time. James Bonn with cornerstone came to our rescue! Getting us a policy set up with a very competitive rate within a couple hours. Would definitely recommend them for all your insurance needs.

Kleber S.

Cornerstone insurance and Gina McNairy have always provided outstanding service for my family homes and autos for more than a decade. Gina's always extremely helpful and always goes above and beyond to address my family's insurance needs. I very highly recommend Cornerstone Insurance and Gina McNairy for all of your insurance needs. They're a fantastic group!

Whitney G.

James did a great job helping us find a homeowners policy. He walked us through all of the options, answered all of our questions promptly, and helped us get a new policy that is a substantial savings for us.