May 21, 2024
CURE Auto Insurance Reviews

CURE Auto Insurance Reviews in 2023, Compare Ratings, Coverage & Discounts

CURE Auto Insurance Reviews in 2023 – CURE is an auto insurance provider operating in New Jersey, Michigan, and Pennsylvania. Their primary focus lies in evaluating your driving history rather than heavily relying on factors such as your credit score. For drivers with a less-than-ideal credit history but a clean record in terms of accidents and traffic violations, CURE presents a compelling choice worth considering.

CURE Auto Insurance Review

In several states, drivers with low credit scores often face the burden of high auto insurance premiums. However, CURE Auto Insurance is actively challenging this practice.

CURE Auto Insurance, a non-profit insurance company operating in Michigan, New Jersey, and Pennsylvania, takes a different approach. They do not rely on a credit-based scoring system to determine premiums. Instead, their primary focus is on evaluating your driving record.

CURE Auto Insurance pros and cons

PROSCONS
Credit is not an issue.Only in Michigan, New Jersey, and Pennsylvania is it available.
There are numerous discounts available, including discounts for parking in secure areas.a scarcity of third-party reviews
Low premiums for those with a clean driving recordThe claims process can be time-consuming.

CURE Auto Insurance Pros, explained

CURE Auto Insurance offers affordable rates specifically tailored for drivers with excellent driving histories. Moreover, CURE stands out by not requiring credit checks and providing a wide range of available discounts.

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No credit checks are necessary
One notable feature of CURE Auto Insurance is its policy of not conducting credit checks on prospective policyholders. They are willing to insure drivers regardless of their credit scores.

Low premiums for safe drivers
CURE Auto Insurance determines its premium rates primarily based on driving records, enabling them to offer cost-effective premiums to drivers who can demonstrate their safe driving habits and lack of prior accidents. It’s important to note that recent at-fault accidents on a driver’s record may result in higher premiums. Therefore, individuals with poor driving records may want to consider alternative insurance providers.

Discount opportunities
CURE provides a variety of discounts that can help policyholders reduce their premiums. These discounts are mostly applicable to comprehensive and collision coverage plans and may vary by state. Some of the discounts available through CURE include:

  1. Loss-free discount: Policyholders who maintain a claim-free record can enjoy discounts ranging from 5% off after two full years without claims, up to 20% off for five years of no claims.
  2. Parking discount: By parking off-street or in a driveway, garage, or secure parking lot, you may be eligible for a 10% discount on comprehensive and collision coverage. Parking in a secure garage could even earn you a 25% discount.
  3. Multi-vehicle discount: If you insure more than one vehicle with CURE in New Jersey and Pennsylvania, you might qualify for a discount.
  4. Defensive driving discount: In New Jersey and Pennsylvania, completing a CURE-approved defensive driving course can earn you a 5% discount on liability, collision, and personal injury protection (PIP) plans.

Additional discounts may be available upon inquiry. It is recommended to consult with a CURE representative to inquire about potential discounts before finalizing your insurance coverage.

CURE Auto Insurance Cons, explained

CURE Auto Insurance Reviews
CURE Auto Insurance Reviews

CURE Auto Insurance, despite its benefits, does have certain drawbacks that should be considered, including limited availability, a scarcity of third-party reviews, and a potentially protracted claims process.

Limited availability
One drawback of CURE Auto Insurance is its limited availability. To be eligible for CURE coverage, you must reside in either Michigan, New Jersey, or Pennsylvania.

Limited third-party reviews
CURE Auto Insurance has a dearth of third-party reviews, which restricts the amount of information potential customers can gather before purchasing a policy. Notably, it does not receive customer satisfaction ratings from J.D. Power.

Financial strength ratings are also lacking, as CURE has not been evaluated by AM Best or S&P Global Ratings. The Better Business Bureau (BBB) does not provide an official rating for CURE, although customer reviews of CURE are available on the BBB website.

Potential for slow claims processing
Some CURE customers have reported delays in the claims process, as indicated by reviews on the BBB website. These customers have shared their experiences of engaging in multiple rounds of communication with represent for settle months to reach a settlement.

Issues raised by policyholders include poor claims management and delayed payouts. Several reviews express frustration with the difficulty of obtaining approval for theft claims. Numerous complaints suggest that representatives often lack the necessary information and paperwork to effectively handle claims.

While CURE customers can file claims online, it is important to note that speaking to a representative over the proximately required in order to finalize the claims process.

CURE Auto Insurance discounts

CURE Auto Insurance discounts
CURE Auto Insurance discounts

CURE offers a limited number of discounts to drivers. Please keep in mind that these are the discounts available to New Jersey drivers only, and that availability may vary by state. Most CURE discounts only apply to specific coverages; for example, parking your car in a secure garage will lower the cost of comprehensive (other-than-cnot affecte but will have no effect on liability coverage.

CURE car insurance discounts and savings

Loss-free discount

CURE Auto Insurance offers a loss-free discount to its policyholders, which increases in value the longer they maintain a claim-free record.

For policyholders who have maintained two consecutive claim-free years with CURE, they are eligible for a 5% discount. This discount increases to 10% after three years without claims, and for those who reach five or more consecutive years without claims, the discount reaches an impressive 20%.

Parking discount

CURE Auto Insurance policyholders can enjoy discounts on their comprehensive coverage based on their parking habits and locations.

Off-street parking discount: Policyholders receive a 10% discount on their comprehensive coverage if their vehicles are typically parked off-street. This discount applies to vehicles parked in driveways or nonsecure parking facilities.

Secure parking discount: For vehicles that are customarily kept in a garage or a secure parking facility with 24/7 guard service or requiring a security code key for entry and exit, CURE provides a significant 25% discount on comprehensive coverage. Proof of secure parking is required to qualify for this discount.

CURE car insurance

CURE car insurance provides standard options such as bodily injury liability, property damage liability, comprehensive, collision, and personal injury protection (PIP). Roadside assistance and extended transportation coverage are available as optional endorsements from the company. CURE policies, on the other hand, are generally more basic than those of most competitors.

CURE auto insurance is only available in three states: New Jersey, Pennsylvania, and Michigan.

CURE car insurance cost

Auto insurance premiums are determined by individual rating factors such as the make and model of your vehicle, your driving record, claims history, and the amount of coverage you purchase, so the actual cost of your policy will vary depending on your driving history. CURE’s policies may appeal to drivers with low credit scores because CURE does not use credit as a rating factor, which may reduce the overall cost of a policy.

CURE Auto Insurance is known for offering competitively priced full-coverage auto insurance rates, often resulting in lower premiums for many policyholders. On a popular community forum site called Reddit, a 21-year-old male user shared paying $87 per month ($1,044 per year) for CURE auto insurance, despite having a few tickets and two car accidents in recent years. Considering his age and driving history, this rate is exceptionally affordable compared to other insurance providers.

Furthermore, a recent Google Review mentioned a policy costing $70 per month ($840 per year), while another commenter reported paying $124 per month ($1,488 per year). It’s important to note that these reported costs are self-proclaimed by CURE customers online and may vary based on factors such as age and driving background. While these reports cannot be independently verified, they provide a rough idea of the typical price range for CURE premiums.

Determining the exact cost of an insurance package with CURE Auto Insurance can be challenging, as multiple factors influence the rate you’ll receive. These factors include:

  1. Age: Policyholders in their teens or early twenties usually face higher-than-average premiums for CURE auto insurance.
  2. Vehicle: Newer or luxury cars tend to be more expensive to repair and are at higher risk of theft, resulting in higher insurance costs.
  3. Location: Living in a densely populated urban area may be perceived as a higher risk for car accidents by CURE Auto Insurance, leading to higher rates.
  4. Driving record: Multiple speeding tickets or recent DUIs can significantly increase your insurance rates with most insurers, including CURE.
  5. Chosen deductible: Opting for a higher deductible will lower your premium, while a lower deductible will increase it.
  6. Recent claims history: Having been involved in at-fault accidents within the past three to five years is likely to result in higher-than-average rates.

Keep in mind that these factors interact with one another, and their impact on premiums can vary. It’s recommended to obtain a personalized quote from CURE Auto Insurance to get an accurate understanding of the cost based on your specific circumstances.

CURE car tools and benefits

CURE car tools and benefits
CURE car tools and benefits

CURE’s website lists no other vehicle-related services besides car insurance and car insurance endorsements.

What should you be aware of regarding CURE Auto Insurance?

CURE City Auto provides roadside assistance by phone 24 hours a day, seven days a week.

They provide a list of direct repair shops. Their direct repair shops are pre-approved, but policyholders are not required to use one. Policyholders are permitted to use their own licensed repair shop.

What states does CURE Auto Insurance do business in?

CURE Auto Insurance provides auto insurance in two states. CURE Auto Insurance sells in the states listed below. Click the link to see how CURE Auto Insurance compares to the other top companies in that state.

Is CURE a good insurance company?

According to Bankrate’s CURE insurance review, it may be a good insurance company for those looking for a company that does not calculate insurance premiums based on credit scores, occupation, or education level.

However, the company only provides auto insurance, so if you’re looking for a company that provides additional product lines, you should look elsewhere. CURE provides basic auto insurance with a variety of discounts. If you believe in the company’s mission of eliminating discrimination in auto insurance, you should look into CURE.

CURE Auto insurance policy coverage

CURE provides two types of car insurance policies in New Jersey: basic and standard. The basic policy serves as a more affordable alternative to the standard policy, catering to drivers who may consider certain features and coverage unnecessary.

CURE Auto Insurance differentiates itself by primarily determining insurance premiums based on your driving history. Unlike most insurers that take into account factors such as credit score, education level, homeownership, and others to assess accident risks, CURE views these factors as secondary to the actual risk of accidents. This approach is taken to avoid income discrimination.

If you reside in New Jersey, Michigan, or Pennsylvania and possess an excellent driving record but have below-average credit history or educational attainment, CURE might be the right choice for you. However, it’s important to note that after an accident, you may experience a relatively larger increase in rates compared to other insurers.

For married couples, CURE tends to be pricier than the state average, and some competitors like Geico or Progressive. For instance, a married couple aged 35 can expect Geico to be 60% cheaper than CURE, while Progressive is 29% cheaper.

The basic package provided by CURE in New Jersey typically includes the following coverage:

  • $5,000 limit for property damage coverage.
  • $15,000 limit for PIP (Personal Injury Protection) medical expense coverage.
  • $10,000 limit for extended medical expense benefits coverage.
  • The limitation on the lawsuit threshold.

Additionally, drivers have the option to select bodily injury liability coverage (up to $10,000) and personal injury protection coverage with various deductibles and discounts on PIP premiums. CURE also allows customers to customize their policies, similar to other insurers, by choosing liability limits. Optional coverages such as collision, comprehensive (other-than-collision), and towing coverages are available as well.

CURE Auto insurance customer satisfaction

To evaluate the performance of insurance companies, various third-party ratings and scores are available. These reputable sources, including J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC), provide valuable insights into different aspects of the companies’ operations.

J.D. Power ratings focus on measuring the levabout satisfaction with regard to claims handling and overall experience. These ratings help customers gauge how well certain companies perform in these areas.

AM Best specializes in providing financial strength ratings, which reflect a company’s historical ability to fulfill its financial obligations. These ratings offer valuable information about the financial stability and reliability of insurance companies.

The NAIC generates a complaint index score that indicates the number of complaints filed against insurance companies with the NAIC. This score serves as a helpful tool for consumers to assess the general satisfaction levels of customers with various insurance providers. A score of 1 is considered the baseline or average, where a score below one signifies fewer complaints than average, while a score above one indicates more complaints than average. This allows customers to make informed decisions based on the relative number of complaints received by insurance companies.

How to file a claim with CURE Auto insurance

How to file a claim with CURE Auto insurance
How to file a claim with CURE Auto insurance

When you call the claims phone number provided by CURE, you will be promptly connected to a claims representative without the need to navigate through any prompts. CURE ensures that their claims representatives are accessible around the clock, 24/7.

For general customer service inquiries, you can reach a live person by dialing the following number: 800-535-2873. Please use the following options to direct your call:

  • Press 1 if you are a current or prospective customer in Michigan.
  • Press 2 if you are a current or prospective customer in New Jersey.
  • Press 3 if you are a current or prospective customer in Pennsylvania.

CURE Auto Insurance pricing

The cost of car insurance varies depending on the state you reside in and individual driver factors. Several variables are considered when calculating car insurance quotes. To obtain an accurate quote, it is advisable to visit CURE’s website and follow the prompts to receive a personalized quote. However, if you have a history of car accidents or violations, it is worth exploring other auto insurance providers that may offer lower premiums.

Regardless of the insurance company you choose, there are actions you can take to potentially lower your premium. Maintaining a clean driving record and selecting a higher deductible are among the steps you can take. Additionally, it’s essential to inquire about all possible discounts that may be available to you, as they can further reduce your premium amount.

CURE Auto Insurance financial stability

CURE Auto Insurance’s financial stability is difficult to assess. Third-party reviewers have provided limited information, and AM Best has not rated CURE. CURE is licensed to sell insurance in Michigan, New Jersey, and Pennsylvania, according to the National Association of Insurance Commissioners.

CURE Auto Insurance accessibility

CURE auto insurance is exclusively available to residents of Michigan, New Jersey, and Pennsylvania. However, it provides coverage to all drivers within those states and may be particularly attractive to individuals with low credit scores.

CURE takes a different approach by not considering factors such as credit score or income proxies like homeownership. The company emphasizes that a clean driving record is the primary determinant for fair insurance rates.

  • Availability:- Residents of Michigan, New Jersey, and Pennsylvania can purchase CURE auto insurance regardless of their credit score. CURE is headquartered in Princeton, New Jersey.
  • Contact Information:- For further information, you can contact CURE Auto Insurance at 1-800-535-2873 or visit their website. Depending on your state, when calling, you’ll need to press 1 for Michigan, 2 for New Jersey, or 3 for Pennsylvania to connect with a customer service representative.
  • User Experience:- CURE Auto Insurance offers potential customers the convenience of obtaining an online quote for their car insurance. You’ll be required to provide relevant information about yourself and other household members, including age, location, marital status, vehicle make and model, and more.

For specific guidance on switching car insurance companies, please reach out to CURE’s customer service department.

CURE’s website also features a portal that allows current customers to access and make changes to their policies. However, at present, CURE does not offer a mobile app.

Is CURE Auto Insurance a legit company?

CURE Auto Insurance is a reputable company based in Princeton, New Jersey. It was established in New Jersey in 1990 in response to residents who were having difficulty obtaining auto insurance due to poor credit. CURE differs from other auto insurance companies in that it bases its rates primarily on a driver’s history rather than credit checks.

Which states does CURE Auto Insurance cover?

CURE is currently only available to residents of Michigan, New Jersey, and Pennsylvania.

What does CURE stand for?

CURE is an acronym that stands for “Citizens United Reciprocal Exchange.” The abbreviation “CURE” is also a play on words because CURE provides a solution to low-credit drivers looking for affordable car insurance.

Who owns CURE Auto Insurance?

CURE is a non-profit organization founded in 1990 by James J. Sheeran and Lena Chang. CURE’s owner and current CEO is Eric Poe.

Conclusion Of CURE Auto Insurance review

While CURE Auto Insurance has limited availability nationwide, it may not be suitable for everyone. However, if you reside in Michigan, New Jersey, or Pennsylvania and have an excellent driving record, CURE could be a viable option for you.

CURE stands out by not considering non-driving-related factors such as credit checks, occupation, or education level when determining premiums. This makes it a favorable choice for individuals facing high premiums from other insurance companies due to such factors. However, if you have a poor driving history, it is advisable to explore other insurance options.

If CURE Auto Insurance seems like a potential match for your needs, it is recommended to contact them directly to determine if their coverage is the best fit for your auto insurance requirements.

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