Cure Auto Insurance: Legit In Michigan?

CURE Auto Insurance, or Citizens United Reciprocal Exchange, is a legitimate insurance company that offers basic auto insurance coverage in Michigan, New Jersey, and Pennsylvania. Unlike most insurance companies, CURE bases its insurance premiums primarily on driving records rather than customers' credit history, occupation, or education level. This makes CURE a good option for drivers with a subprime credit history but a clean driving record. However, CURE has received a high number of customer complaints, with many reporting issues with the claims process, unresponsive customer service, and unexpected price increases.

CURE auto insurance is available in Michigan, New Jersey, and Pennsylvania

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 auto insurance 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 auto insurance is a good option for drivers with a great driving history or subprime credit history. CURE's auto premiums are lower and more affordable compared to competitors on average. However, it is important to note that CURE has received a high number of customer complaints, with a National Association of Insurance Commissioners (NAIC) complaint index score of 5.16 for private passenger auto insurance in 2023. This indicates that a relatively high number of CURE customers have filed complaints against the company.

When considering CURE auto insurance, it is essential to weigh the pros and cons, including the limited coverage options and high rate of customer complaints. The company's rates may be appealing to drivers with poor credit histories, but it is important to request a personalized quote to compare rates and estimate potential costs accurately.

CURE bases insurance premiums on driving history, not credit score

CURE Auto Insurance, or Citizens United Reciprocal Exchange, is a New Jersey-based auto insurer that primarily considers a customer's driving record when determining insurance premiums, rather than their credit history, occupation, or education level. This makes CURE a good option for drivers with a poor credit history but a clean driving record.

CURE's car insurance coverage options are limited, with standard offerings including bodily injury and property damage liability, comprehensive, and personal injury protection (PIP). Collision coverage can also be added to a policy, with three levels available: broad collision, standard collision, and limited collision. CURE also offers 24/7 roadside assistance and rental car reimbursement.

CURE's rates are lower and more affordable than competitors on average, making it an excellent option for drivers with a great driving history or subprime credit history. However, it's important to note that CURE has received a high number of customer complaints, with a National Association of Insurance Commissioners (NAIC) complaint index score of 5.16 for private passenger auto insurance in 2023. This indicates that a relatively high number of CURE customers have filed complaints against the company.

CURE's auto insurance policies are currently only available in Michigan, New Jersey, and Pennsylvania. The company bases its rates on the belief that income rating factors can be "discriminatory" and that a customer's driving record is the most important indicator of their risk as a driver. By not considering credit scores or other non-driving factors, CURE offers a unique approach to auto insurance that can benefit those with subpar credit histories.

CURE has a high complaint level

Customers have complained about the company's poor claims handling, unresponsive customer service, and uncoordinated representatives. Some have reported prolonged investigations with delayed payouts, while others have had their claims denied or kept under investigation indefinitely. There are also complaints about unexpected price increases and changes to policies.

CURE's customer service has been described as "the worst", with long wait times, rude and disrespectful representatives, and a lack of concern or empathy for customers' problems. Some customers have also had issues with the company's online and phone payment systems, unexpected fees, and problems with policy cancellations and refunds.

CURE offers 24-hour customer service

CURE Auto Insurance, or the Citizens United Reciprocal Exchange, is a New Jersey-based auto insurer that offers 24/7 customer service. This means that customers can access their policy information and make changes at any time of day. CURE's 24-hour customer service also includes roadside assistance, which is available by phone.

CURE's commitment to providing around-the-clock support is particularly notable given the company's relatively limited coverage options and the mixed reviews it has received from customers. While some customers have praised CURE for offering low rates, others have complained about issues with claims handling, poor customer service, and unexpected price increases.

In addition to its 24-hour customer service, CURE also offers a referral program that allows policyholders to earn rewards for referring friends and family. The company provides online quoting and a customer portal on its website, as well as direct repair shops that can help expedite the claims process.

CURE's insurance premiums are based primarily on driving records rather than credit history, occupation, or education level. This approach has made CURE a popular choice for drivers with poor credit histories or lower socioeconomic backgrounds. However, it's important to note that CURE is only available in three states: Michigan, New Jersey, and Pennsylvania.

CURE offers a basic auto insurance package for $25-$50/month

CURE auto insurance, or the Citizens United Reciprocal Exchange, is a New Jersey-based auto insurer that offers a basic auto insurance package for $25-$50/month. The company bases insurance premiums primarily on non-economic factors such as driving record rather than customers' credit history, occupation, or education level. As of 2024, CURE has expanded to offer basic car insurance coverage in Michigan and Pennsylvania.

CURE's basic package includes:

• $5,000 property damage liability insurance
• $15,000 personal injury protection insurance
• $10,000 extended medical expense benefits

Drivers can also choose to add bodily injury liability insurance to their CURE auto insurance policy. This basic package is only available to residents of New Jersey.

CURE is a not-for-profit auto insurance company with a unique approach to determining insurance rates. Unlike most insurance companies, CURE focuses primarily on an individual's driving record when calculating premiums. This means that drivers with a clean driving history will typically be offered lower rates. Additionally, CURE does not consider factors such as credit score, occupation, or education level when determining rates, which can result in more affordable coverage for individuals who may have lower incomes or less-than-perfect credit.

However, it is important to note that CURE has received some negative reviews and complaints from customers, particularly regarding poor customer service, unexpected rate increases, and difficulties with claims handling. Before choosing any insurance provider, it is always a good idea to research their reputation and read reviews from current and former customers.

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