Auto Insurance
That Moves With You
Smart, Personalized Coverage From Your Local Experts in Germantown, MD
What Should Your Policy Cover?
A solid auto insurance policy should do more than meet legal requirements—it should give you peace of mind when the unexpected happens. Here’s what auto insurance from Cornerstone Insurance Agency can include:
Liability Coverage
Covers injuries and property damage you cause while driving. This coverage is required in Minnesota.
Collision Coverage
Helps pay to repair or replace your vehicle after an accident, no matter who was at fault.
Comprehensive Coverage
Protects against damage from weather, wildlife, theft, vandalism, and other non-collision events.
Uninsured / Underinsured Motorist Coverage
Steps in if another driver doesn’t have enough insurance to cover your damages.
Medical Payments / Personal Injury Protection (PIP)
Covers medical expenses for you and your passengers after an accident—regardless of fault.
Custom Options That Fill the Gaps
We’ll help you tailor your policy with coverage options that make sense for your vehicle, your driving habits, and your lifestyle.
Add-Ons That Matter
Rental Reimbursement
Pays for a rental vehicle while yours is being repaired after a covered claim.
Roadside Assistance
Locked out, dead battery, flat tire, or tow needed? Help is just a call away.
Gap Coverage
Helps cover the difference between what you owe on your vehicle and its actual cash value if it’s totaled.
Custom Equipment Protection
Added something special to your vehicle? We’ll help make sure it’s properly covered.
Auto Insurance FAQs
Do I need auto insurance in Minnesota?
Yes. Minnesota law requires liability coverage, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage.
Can I Insure a Classic or Collector Car?
Yes, we offer specialized policies for classic, antique, and collector cars that are driven occasionally and maintained for long-term value. These policies typically offer agreed value coverage, limited use terms, and protection for restoration or custom parts. Talk to a local agent at Cornerstone Insurance to find the right protection for your vintage ride in Central Minnesota.
Can I bundle my auto insurance with my home or farm policy?
Absolutely. Bundling auto insurance with home or farm insurance often helps simplify coverage and can lead to savings.
Do I need full coverage on a leased or financed vehicle?
In most cases, yes. Lenders typically require collision and comprehensive coverage until the vehicle is paid off.
How are auto insurance premiums calculated?
Premiums are based on factors like your vehicle, location, driving history, and coverage choices. We help you compare options from multiple carriers to find the right fit.
Can I get coverage if I’ve had tickets or an accident?
Yes. Because we work with multiple insurance carriers, we can often find auto insurance options even if your driving record isn’t perfect.
Let’s Get You on the Road
Whether you're insuring your first car or upgrading your coverage, CF Alliance is here to help you every mile of the way.
Let’s Get You Covered and on the Road
At Cornerstone Insurance, we make auto insurance in Central Minnesota easy to understand and quick to set up—so you can drive with confidence knowing your coverage fits your life.