Apply For Cure Auto Insurance: A Step-By-Step Guide

CURE Auto Insurance is an auto insurance company that offers affordable rates based primarily on driving records rather than credit scores, educational background, or occupation. CURE is currently available in three states: Michigan, New Jersey, and Pennsylvania. The company has a reputation for offering lower-than-average premiums, making it a good option for drivers with poor credit scores or subprime credit history. However, it may not be ideal for drivers with high-risk driving records. CURE provides standard coverage options such as liability, collision, comprehensive, medical payments, personal injury protection, and uninsured/underinsured motorist insurance. The company also offers discounts for defensive driving, loss-free records, and safe parking practices. While CURE has received positive reviews for its affordable rates and simple claims process, it has also faced complaints regarding claims handling, customer service, and limited coverage options.

How to get a quote for Cure Auto Insurance

CURE Auto Insurance is a not-for-profit insurance organisation that offers affordable car insurance to drivers with low earning capacity. The company was founded to protect low-income drivers who often encounter discrimination from other car insurers because of their low credit score.

CURE is currently only available in New Jersey, Michigan and Pennsylvania. The company provides quotes based on driving history, rather than other factors like credit score, occupation or education level.

To get a quote, you can go online or call CURE. You will need to provide some basic information, such as your name, address, social security number, and driver's license number. CURE will then run its own reports and provide you with a quote based on your profile and driving record.

CURE offers both basic and standard car insurance policies. The basic policy is a lower-cost option that meets the minimum insurance requirements of the state. It offers limited benefits and may be suitable for those without family obligations or many assets to protect. The standard policy is the more popular option and offers several coverage choices. You can also purchase additional protection under this policy.

CURE also offers various discounts to its customers, including good driver, multi-vehicle, and parking discounts.

What discounts are available with Cure Auto Insurance

CURE Auto Insurance offers a range of discounts to its customers, although the selection is limited compared to other providers. The company does not publish these discounts on its website, so you will need to contact them directly to find out which discounts apply to you. Here is a list of some of the discounts that CURE offers:

• Defensive driving: Customers can earn a 5% discount on liability, collision, and personal injury protection insurance by taking a defensive driving course approved by CURE.
• Loss-free: CURE offers a discount of 5% on comprehensive and collision insurance for customers who go two years without making a claim. This discount increases the longer you go without a claim, reaching 10% after three years, and 20% after five or more years.
• Safe parking: CURE offers a 10% discount on comprehensive insurance for vehicles that are customarily parked off-street, and a 25% discount for those kept in a secure garage or facility with 24/7 guard service and/or requiring a security code for entry and exit.
• Good driver: CURE rewards safe drivers with affordable rates and potential discounts on premiums through its Good Driver Plan.
• Good student: CURE offers discounts for students with good academic records.
• Multi-car: Customers with multiple cars insured with CURE are eligible for discounts.

How to file a claim with Cure Auto Insurance

To file a claim with Cure Auto Insurance, you must call and speak with a claims representative. The company does not allow customers to file a claim online. Cure offers 24/7 customer service, so you can call at any time to begin the claims process. The phone number to file a claim is 1-800-229-9151.

After dialling the claims phone number, you will be connected with a claims representative automatically without having to key in any prompts. A Cure claims representative will be available throughout the entire process to answer questions and work with you to handle the claim as quickly as possible.

Cure Auto Insurance is a small insurance company that offers coverage to drivers in New Jersey, Pennsylvania, and Michigan. The company primarily considers a person's driving record when determining insurance rates, rather than factors like credit score, occupation, or education.

What are the customer reviews like for Cure Auto Insurance

Customer reviews for Cure Auto Insurance are mixed. The company has an average of 2.1 out of 5 stars from 51 reviews on the Better Business Bureau website. While some customers report being happy with their low rates, others have complained about poor customer service, unresponsive representatives, delayed payouts, and issues with claims being denied or not paid in full.

In 2023, the National Association of Insurance Commissioners (NAIC) gave Cure Auto Insurance a complaint index score of 5.16 for private passenger auto insurance, indicating that the company received complaints at a rate five times higher than the industry benchmark for an insurer of its size. The bulk of these complaints concerned delays in claims handling, unsatisfactory settlements and offers, and denials of claims.

In Michigan, consumer complaints against Cure Auto Insurance nearly quadrupled in 2023, according to the Michigan Department of Insurance and Financial Services (DIFS). The company had the third-highest number of complaints among Michigan's 85 largest auto insurers, despite being only the 21st largest insurer in the state.

Customers in Michigan have complained about Cure Auto Insurance's handling of claims, including unsatisfactory settlements, and frequent denial of claims. They have also alleged that the company gives bad advice to drivers, encouraging them to under-insure, which could leave them exposed to high medical bills.

However, it is worth noting that Cure Auto Insurance is not rated by J.D. Power or AM Best, two commonly used third-party rating systems for insurance companies.

How to cancel your Cure Auto Insurance policy

To cancel your Cure Auto Insurance policy, you can contact the company's customer service phone number at 1-800-535-2873. It is important to review the cancellation terms and any potential fees or penalties before proceeding with the cancellation. Ensure that you have alternative insurance coverage in place, if necessary.

• Cure Auto Insurance is a not-for-profit auto insurance company that primarily considers an individual's driving record when determining insurance rates.
• The company offers insurance in New Jersey, Michigan, and Pennsylvania.
• Cure Auto Insurance has received mixed reviews, with some customers praising its affordability and simple claims process, while others have complained about issues with communication and customer service.
• The company has a high complaint index rating from the National Association of Insurance Commissioners, indicating that it receives more complaints than the average company.
• Cure Auto Insurance offers basic and standard car insurance policies, with rates that are generally lower than competitors.

Frequently asked questions