Cure Auto Insurance: Available In Few States

Cure Auto Insurance, also known as Citizens United Reciprocal Exchange (CURE), is a not-for-profit auto insurance company that provides coverage in select US states. CURE is available in Michigan, New Jersey, and Pennsylvania, offering affordable insurance rates based primarily on a driver's history. Unlike other companies, CURE focuses on a motorist's driving record rather than factors like credit score, occupation, or education to determine the cost of its premiums. This makes CURE a good option for drivers who may have a poor credit history but a clean driving record.

Cure Auto Insurance is available in Michigan, New Jersey, and Pennsylvania

Cure Auto Insurance primarily considers a driver's history when determining insurance rates, rather than credit score, occupation, or educational background. This makes Cure a good option for drivers with poor credit scores. However, it is not a good choice for drivers with high-risk driving records.

The company has a reputation for offering premiums at cheaper-than-average prices, although it offers fewer discounts than other companies. Cure Auto Insurance has mixed customer reviews, with an average rating of 3.5 out of 5 stars from almost 3,000 responses on Google Reviews.

Cure Auto Insurance offers the six standard types of car insurance:

• Liability (BI/PD)
• Collision
• Comprehensive
• Medical payments (MedPay)
• Personal injury protection (PIP)
• Uninsured/underinsured motorist (UM/UIM)

The company also provides 24/7 roadside assistance and extended transportation coverage for an additional fee.

The company bases its insurance premiums primarily on driving history

CURE Auto Insurance, also known as Citizens United Reciprocal Exchange, is a not-for-profit auto insurance company that bases its insurance premiums primarily on driving history. It was founded in 1990 by former New Jersey Insurance Commissioner James J. Sheeran and Lena Chang and is based out of Princeton, New Jersey. CURE is available in New Jersey, Michigan, and Pennsylvania and is ideal for drivers with a good driving record but below-average credit history or educational attainment. The company does not use credit scores, occupation, or educational background as determining factors for customer auto insurance rates, making it a good option for drivers who may be considered high-risk by other insurance companies.

CURE offers both basic and standard car insurance policies, with the basic policy being a lower-cost alternative that may be more suitable for drivers who do not need the features and coverage of a standard policy. The basic package, available only in New Jersey, includes $5,000 property damage liability insurance, $15,000 personal injury protection insurance, and $10,000 extended medical expense benefits. Drivers can also add bodily injury liability insurance to their basic policy.

In addition to its focus on driving history, CURE also offers various discounts and rewards to policyholders. These may include discounts for safe driving, low mileage, having a good credit score, and being a homeowner. CURE also has a unique program called the "CURE Good Driver Plan," which rewards safe driving behaviour with potential discounts on premiums. For example, if you have a clean driving record for three years, you may be eligible for a significant discount.

CURE's commitment to basing insurance premiums primarily on driving history means that drivers with a good driving record can access affordable rates, even if they don't meet the traditional criteria for low insurance premiums. However, it's important to note that rates at CURE for married couples are more expensive than the state average and some competitors. Additionally, CURE has received mixed reviews for its customer service and claims handling, with some customers reporting issues with communication and prolonged investigations.

It offers a basic package for residents of New Jersey

CURE Auto Insurance is available in New Jersey, Michigan, and Pennsylvania. It was founded in 1990 by former New Jersey Insurance Commissioner James J. Sheeran and Lena Chang and is based in Princeton, New Jersey. CURE is not a traditional insurance company but a not-for-profit reciprocal exchange.

CURE offers a basic package for residents of New Jersey. This package is a lower-cost alternative to the standard car insurance policy for drivers who may find the features and coverage of the standard policy unnecessary. Generally speaking, in the state of New Jersey, CURE offers the following coverage in its basic car insurance package:

• $5,000 property damage coverage limit
• $15,000 PIP medical expense coverage limit
• $10,000 extended medical expense benefits coverage limit
• The limitation on lawsuit threshold

Drivers also have the option of choosing bodily injury liability coverage (up to $10,000) and personal injury protection coverage (with various deductibles and discounts on PIP premiums).

CURE bases its insurance premiums primarily on a motorist's driving record, rewarding safe drivers with reasonable rates even if they don't meet the traditional criteria for low insurance premiums. This means that CURE does not use education, occupation, or credit score to determine car insurance rates. Instead, it considers driving history while placing less emphasis on other factors like credit score. This makes CURE a good option for drivers with a subprime credit history but minimal accidents and traffic violations on their records.

CURE has insured over a million drivers and believes everyone deserves affordable car insurance. The company has never used education, occupation, or credit score to determine car insurance rates and advocates against others who do. CURE believes that everyone deserves affordable car insurance based primarily on their driving record.

It has a good BBB rating but a high complaint index

Cure Auto Insurance has a strong BBB rating of A, but it is not BBB accredited. The company has had an active profile with the BBB since 1999. However, it is important to note that Cure Auto Insurance has a high complaint index rating of 5.75 from the National Association of Insurance Commissioners (NAIC). This indicates that the company receives more than five times the average number of complaints that other companies get nationwide.

In the last three years, there have been 118 complaints filed against Cure Auto Insurance with the BBB, with 63 of those complaints closed in the last 12 months. The BBB website includes a range of customer reviews, with an average rating of 1 out of 5 stars from 31 customer reviews. Positive reviews praise Cure's simple claims process and affordability, while negative reviews cite issues with claims representative communication and service.

The high volume of complaints and negative reviews suggests that customers have had mixed experiences with Cure Auto Insurance, despite its strong BBB rating. It is always important to consider multiple sources of information when evaluating a company's reputation and customer satisfaction.

It offers a unique program called the CURE Good Driver Plan

CURE Auto Insurance is a not-for-profit company that was established in the 1980s or 1990. It is available to drivers in Michigan, New Jersey, and Pennsylvania. CURE provides coverage to drivers who might have issues getting affordable standard car insurance coverage based on factors such as education, occupation, and homeownership. CURE focuses on providing a non-discriminatory service to its customers. Instead, it provides coverage based on your driving history and habits.

CURE has insured more than a million drivers and believes everyone deserves affordable car insurance based primarily on their driving record. It has never used education, occupation, or credit score to determine car insurance rates and advocates against others who do.

CURE offers a unique program called the CURE Good Driver Plan. This plan offers significant discounts to drivers who have clean driving records. If you have a clean driving record for 3 years, you may be eligible for a discount. The longer you go without an accident, the higher your discount will be. For example, you will receive a 5% discount after two full years without any claims and 20% off for five years of no claims.

In addition to the Good Driver Plan, CURE offers other discounts such as the multi-vehicle discount and the parking discount. The multi-vehicle discount applies if you insure more than one vehicle, and the parking discount applies if you have off-street parking or park in a secure location.

CURE Auto Insurance is a great option for drivers with good driving records who are looking for affordable coverage.

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