Cure Auto Insurance: How Much Does It Cost?

CURE Auto Insurance is a New Jersey-based auto insurer that offers affordable car insurance based primarily on a driver's history rather than credit checks. CURE's rates are determined by driving records, making it a good option for drivers with low credit scores and clean driving records. However, it's important to note that CURE has received complaints regarding its claims process, with customers experiencing delays and poor management. The company also lacks third-party reviews and is only available in a few states. Overall, CURE may be worth considering for those with good driving records seeking affordable car insurance, but be mindful of the potential drawbacks.

Pros and cons of CURE car insurance

CURE Auto Insurance, or the Citizens United Reciprocal Exchange, is a New Jersey-based auto insurer that offers affordable car insurance rates based primarily on driving records rather than customers' credit history, occupation, or education level. Here are some pros and cons of CURE car insurance to help you make an informed decision:

Pros:

• Credit History, Occupation, and Education Not Considered: CURE does not factor in credit score, occupation, or educational background when determining insurance rates, making it appealing to drivers with poor credit histories.
• Limited Roadside Assistance: Limited roadside assistance coverage is included in all auto policies, covering towing, battery jump-starts, fuel deliveries, and lockout assistance.
• Online Services: CURE offers online services for payments and claims, providing convenience and accessibility to customers.
• Discounts: CURE offers various discounts, such as good driver, good student, multi-vehicle, parking, and low mileage discounts, helping customers save on their premiums.

Cons:

• Limited Coverage and Discount Options: CURE has basic coverage options and fewer discounts compared to larger insurance companies.
• Limited Availability: CURE auto insurance is currently only available in three states: Michigan, New Jersey, and Pennsylvania.
• High Rate of Customer Complaints: CURE has received a high number of customer complaints, particularly regarding claims handling, unsatisfactory settlements, and claim denials. This suggests a level of dissatisfaction among its customers.
• No Usage-Based Insurance: CURE does not offer usage-based insurance coverage, which may be a disadvantage for those seeking more personalized rates based on their driving behaviour.
• Mixed Customer Reviews: CURE has mixed customer reviews, with some praising the affordable rates and straightforward claims process, while others complain about limited coverage options and poor customer service.

CURE auto insurance may be a good option for drivers in the three states it serves, especially those with poor credit histories. However, it is important to consider the limitations in coverage options, the high rate of customer complaints, and the mixed reviews when making a decision.

CURE car insurance cost

CURE Auto Insurance, or Citizens United Reciprocal Exchange, is a New Jersey-based auto insurer that sets premiums based on driving records rather than credit history, occupation, or education level. CURE's average premiums are not publicly available, but its rates are generally lower and more affordable than those of its competitors.

CURE's car insurance costs are influenced by various factors, including the driver's age, location, marital status, vehicle make and model, and driving history. The company offers discounts for safe driving, anti-theft systems, paperless billing, pay-in-full options, and multiple-car policies.

CURE's basic insurance policy, available only in New Jersey, includes $15,000 in PIP coverage, $10,000 in extended medical coverage, and $5,000 in property damage coverage. The standard policy, offered in both New Jersey and Pennsylvania, provides more comprehensive coverage, including bodily injury liability, property damage liability, and uninsured/underinsured motorist protection.

CURE also offers optional endorsements such as roadside assistance and rental car reimbursement. Collision coverage options include broad collision, standard collision, and limited collision, each with different deductible requirements.

CURE's pricing is particularly attractive to drivers with excellent driving records or subprime credit histories. However, drivers with a history of accidents or infractions may find lower premiums with other providers.

In addition, CURE's customer satisfaction ratings are mixed. While it receives an A+ rating from the Better Business Bureau, it is not accredited by the BBB and has a high number of customer complaints, particularly regarding claims handling, unsatisfactory settlements, and delays in the claims process.

CURE customer satisfaction

CURE Auto Insurance, or Citizens United Reciprocal Exchange, is a New Jersey-based auto insurer that primarily considers a driver's record when determining insurance premiums, rather than their credit history, occupation or education level. CURE is also available in Michigan and Pennsylvania.

CURE has not been rated in J.D. Power's 2024 customer satisfaction study, as it focuses on the largest companies by market share, and CURE is a small, regional insurer. However, other sources give an insight into how customers view CURE.

The Better Business Bureau (BBB) rates CURE Auto Insurance with an A+, but it is not BBB-accredited. The lack of accreditation could be because CURE decided not to apply, or because it does not comply with the ethical standards set by the BBB. There is a record of 18 closed complaints in the past three years, with many online reviews noting the slow process, lack of communication and rude customer service agents.

The National Association of Insurance Commissioners (NAIC) gave CURE a complaint index score of 5.16 for private passenger auto insurance in 2023. This is five times the industry benchmark, indicating a high number of customers are filing complaints against the company.

In 2023, consumer complaints against CURE Auto Insurance nearly quadrupled in Michigan, according to the Michigan Department of Insurance and Financial Services (DIFS). The National Association of Insurance Commissioners reported that CURE customers complained about how the insurer handles claims, with settlements and offers deemed "unsatisfactory" and unfair, and the frequency with which the company denies paying claims.

Online reviews of CURE are mixed. While some customers report receiving lower rates than with other insurers, others complain about the limited coverage options. Reviews of CURE's mobile app also show a similar pattern, with some customers happy with the rates offered, and others saying that the low rates come with poor customer service.

Overall, CURE's customer satisfaction ratings are average to below average, with the company receiving a high number of complaints relative to its size.

Is CURE Auto Insurance legit?

CURE Auto Insurance, or the Citizens United Reciprocal Exchange, is a New Jersey-based auto insurer that bases insurance premiums primarily on non-economic factors such as driving record rather than customers' credit history, occupation or education level. CURE is available in Michigan, New Jersey and Pennsylvania.

CURE's car insurance coverage offerings are fairly limited, with standard options including bodily injury and property damage liability, comprehensive and personal injury protection (PIP). Optional endorsements include roadside assistance and rental car reimbursement.

CURE's policies may be appealing to drivers with poor credit histories, as CURE does not use credit as a rating factor. However, CURE's average premiums are not available, so you will need to request a personalised quote to compare rates and estimate costs.

CURE has not earned a rating from AM Best, and it is not rated in J.D. Power's 2024 customer satisfaction study. In 2023, CURE received a National Association of Insurance Commissioners (NAIC) complaint index score of 5.16 for private passenger auto insurance. This is a rate of complaints five times the industry benchmark for an insurer of its size, indicating that a high number of CURE customers file a complaint against the company.

Consumer complaints against CURE Auto Insurance nearly quadrupled in 2023, jumping from 41 in 2022 to 150 in 2023, according to data from the Michigan Department of Insurance and Financial Services (DIFS). Both DIFS and the NAIC reported that CURE's insureds complained about how the insurer handles claims, with settlements and settlement offers deemed "unsatisfactory" and the company denying paying claims.

CURE's pros include:

• Credit history, occupation and education not used to set price
• Limited roadside assistance coverage is included on all auto policies
• Online payments and claims available
• A few competitive auto insurance discounts

However, there are also cons to CURE's services:

• Limited discounts and coverage options
• Only available in three states
• High rate of customer complaints
• Charges fees for making a payment online or over the phone
• No app available

In conclusion, CURE can be a good option if you have a decent driving record but don't want your credit score to affect your insurance rates. However, be aware that CURE is only available in three states and it may not be the most customer-friendly due to a high number of complaints and the fact that it charges a fee to make certain bill payments.

CURE Auto Insurance plans and offerings

CURE Auto Insurance, or Citizens United Reciprocal Exchange, is a New Jersey-based auto insurer that offers affordable car insurance based primarily on driving records rather than credit scores, occupation, or education level. Here is a detailed overview of CURE's plans, offerings, and features:

Basic Coverage Options

CURE offers basic car insurance coverage, including bodily injury and property damage liability, comprehensive, and personal injury protection (PIP). The basic insurance policy is currently only available in New Jersey and includes $15,000 in PIP coverage, $10,000 in extended medical coverage, and $5,000 in property damage coverage.

Standard Coverage Options

The standard insurance policy provides more flexibility and coverage options. In addition to the basic coverage, it includes bodily injury liability coverage, property damage liability coverage, and uninsured/underinsured motorist coverage. Customers can also choose to add comprehensive and collision coverage. The standard policy allows customers to select their desired coverage amounts.

Roadside Assistance

CURE provides emergency roadside assistance as one of its most popular offerings. This service is limited to two claims in a six-month period, with each claim covering up to $125. Services include jump-starting a battery, changing a flat tire, providing fuel if you run out of gas, and unlocking your car if you're locked out.

Discounts

CURE offers various discounts to help reduce premium costs:

• Loss-free discount: Customers who go a long time without making a claim receive discounts on comprehensive and collision coverage. The discount starts at 5% after two claim-free years and increases to 10% for three years, and 20% for five or more years.
• Parking discount: Parking in a secure location, such as a garage or off-street, can result in a discount of up to 25% on comprehensive and collision coverage.
• Multi-vehicle discount: Policyholders in New Jersey and Pennsylvania who insure multiple vehicles with CURE may be eligible for this discount.
• Defensive driving discount: In New Jersey and Pennsylvania, completing a CURE-approved defensive driving course can earn a 5% discount on liability, collision, and personal injury protection (PIP) plans.
• Good driver discount: If all drivers on the policy have been driving for at least three years with a clean record, you may qualify for up to a 35% discount.

Claims Process

CURE's claims process has received mixed reviews. While some customers report a slow and prolonged process with unresponsive representatives, others have experienced efficient and satisfactory claims settlements.

Customer Satisfaction

CURE Auto Insurance has received an average review score of 1.05 out of 5 stars on the Better Business Bureau (BBB) website. The National Association of Insurance Commissioners (NAIC) gave CURE a complaint index score of 5.16 for private passenger auto insurance in 2023, indicating a higher-than-average rate of customer complaints.

In summary, CURE Auto Insurance is a good option for safe drivers, particularly those with low credit scores or limited education, as it focuses primarily on driving records when determining rates. However, it is important to consider the limited coverage options, the small number of third-party reviews, and the mixed feedback on the claims process when deciding if CURE is the right choice for your auto insurance needs.

Frequently asked questions