CURE Auto Insurance Review for 2024

According to our CURE auto insurance review, CURE stands out as a top choice for drivers in New Jersey and Pennsylvania who seek affordable coverage without the influence of credit scores, homeownership, or education levels. By focusing solely on driving records, CURE offers competitive rates, making it an attractive option for those with clean driving histories but less-than-ideal financial backgrounds.

As a not-for-profit provider, CURE prioritizes fairness in pricing, although some customers have reported challenges with a lengthy claims process. If you’re looking for straightforward and fair auto insurance, CURE could be the right fit, especially if you value rates .

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CURE: A Not-For-Profit Insurance Provider Serving New Jersey and Pennsylvania

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CURE Auto Insurance Reviews

CURE is not only a small, local company operating in two Northeastern states, but it’s also a not-for-profit organization; therefore, it’s no surprise they don’t have an official rating with a credit rating agency such as A.M. Best. For the most part, CURE auto insurance reviews are pretty positive.

However, there does seem to be a minority of customers who assert that their claims process was difficult, lengthy, and left them feeling extremely dissatisfied with CURE’s service.

Rating’s Agency	Rating
AM Best Financial Rating (2016)	N/A Not Rated
Better Business Bureau Rating (2016)	A+
Complaint Ratio per Vehicle (NJ, 2012)	1 / 53,759 (Better than Average)
Credit Karma (2016)	2/5 Stars

In addition, when evaluating CURE Auto Insurance, it’s crucial to understand various aspects of their services to make an informed decision. The CURE auto insurance company operates as a not-for-profit organization, focusing on providing affordable and effective coverage.

The CURE Auto Insurance Center highlights this mission, ensuring that their policies are both cost-effective and accessible to their policyholders.

A crucial part of this evaluation is to look into how the company addresses CURE auto insurance complaints. Analyzing customer feedback can provide valuable insights into their customer service quality and their ability to resolve issues efficiently.

HOW can you register a car at the DMV WITH NO LICENCE and drive the car WITH NO LICENCE and obviously NO INSURANCE.

pic.twitter.com/QcYXiXcxmU

— Sue (@SueJ2024) February 11, 2024

Moreover, it’s useful to explore specific offerings such as free CURE auto insurance quote and CURE auto insurance full coverage. Obtaining a free quote helps you compare their pricing with other insurance providers, while understanding the details of their full coverage options ensures you know what is included in their policies.

For those interested in CURE auto insurance in Michigan, comparing these aspects with other local insurers can help determine if their coverage meets your needs. This thorough evaluation will assist you in deciding if CURE Auto Insurance is the right choice for you.

CURE Auto Insurance Discounts for Cheap Rates

CURE Auto Insurance operates as a not-for-profit company dedicated to ensuring fairness and preventing discriminatory practices. They focus on offering low rates to drivers with clean driving records, regardless of other factors that affect car insurance premiums, like education level, homeownership, or occupation, which they consider irrelevant to driving risk.

This principle is central to their business model, as noted in a CURE auto insurance review. The discounts detailed in the chart below demonstrate how CURE applies this philosophy, emphasizing their commitment to fair pricing based on driving behavior rather than personal characteristics.

Discount Type	Discount Amount
Multi-Vehicle Collision Discount	15% on Collision coverage
Good Driver Discount – 3Y	35%
Good Driver Discount – 5Y + 2Y as CURE policyholder	40%
Parking Discount	15 – 50% on Comprehensive & Collision

Additionally, when evaluating CURE auto insurance in New Jersey, understanding the discounts available is key to securing the best rates. CURE auto insurance quotes can provide detailed insights into your potential premiums, which can be significantly reduced through various discounts.

For instance, a CURE auto insurance review will often highlight opportunities for savings, such as discounts for safe driving records, bundling multiple policies, or having a good credit score.

To get a clearer picture of how these discounts might affect your insurance costs, you can review the CURE auto insurance score, which reflects the company’s performance and customer satisfaction.

For additional details on available discounts and their impact, visit www.cureautoinsurance.com. This site offers valuable information to help you understand and take advantage of discounts, ensuring you secure affordable and suitable coverage.

CURE Auto Insurance Coverage Types

CURE doesn’t go into deep detail about the types of auto insurance coverage options they offer to their customers on their website. Their primary focus is cheap auto insurance. One would assume, however, that they offer at least the minimum coverage options required by New Jersey and Pennsylvania law. In New Jersey, those coverages are:

Minimum Required Coverage	Minimum Required Dollar Amount
Bodily Injury Liability	15,000/30,000
Property Damage Liability	5,000
Uninsured Motorist Bodily Injury	15,000/30,000

And in the state of Pennsylvania, drivers must carry the following coverage in order to legally operate a motor vehicle:

Coverage	Requirements
Bodily Injury Liability	15,000/30,000
Property Damage Liability	5,000
Medical Payments	5,000

Also, when reviewing CURE auto insurance, it’s important to understand the different types of policies available. CURE not only offers CURE auto insurance but also provides CURE homeowners insurance and CURE renters insurance.

This range of options allows customers to address various insurance needs with one provider. Each policy is crafted to meet specific coverage requirements, making it easier for clients to manage their insurance comprehensively.

Moreover, CURE facilitates convenient management through CURE auto insurance online payment, which simplifies the payment process for users. Reviews on cureautoinsurance.com reviews generally praise this feature for its ease of use. Overall, CURE’s diverse policy options and user-friendly online payment system highlight their dedication to delivering accessible and effective insurance solutions.

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Comparing CURE Auto Insurance Premiums

For insurance with CURE, the most important thing is your driving history. Insurance agents quote comprehensive coverage based on things like accidents and tickets. Things such as credit score, homeowner status, and your education level – factors which most providers consider when calculating your risk level – are left out of the equation. This creates differences in pricing and coverage you might not expect.

Married Couple
25-Year-Old Driver
Single Renter
Senior Married Couple


20
40
60
80
100
120
140
160
180
200



$212

$51

$129

$115

In particular, there is a noticeable role reversal when it comes to how much CURE charges its customers. With most providers, a single driver age 25 or below would most likely be charged the highest rate out of any other demographic for a basic policy. With CURE, the opposite seems to be true.

A married couple who may own their own home would probably see the lowest possible rate from most insurance providers. Since those factors aren’t given as much weight by CURE, they lose their “preferred-risk” privileged status. So they don’t get the car insurance discount on collision or comprehensive insurance they would expect from other providers based on what CURE considers irrelevant factors.

Subsequently, when comparing car insurance premiums, CURE auto insurance provides useful tools to help you make an informed decision. Visit cureautoinsurance.com to explore their policies and get an overview of their premium rates.

For personalized assistance, you can call 1-800-CURE auto insurance phone number, where their customer service team can answer your questions and provide details about coverage options. It’s also important to check specific coverage details, such as whether CURE auto insurance covers rental cars.

For managing payments or resolving billing issues, you can use the CURE auto insurance payment address. These resources will help you effectively compare car insurance premiums and choose the best policy for your needs.

Pros and Cons of CURE Auto Insurance

Pro	Con
Good for drivers with a clean record but less-than-perfect metrics (bad credit, no home ownership, no higher education, etc.)	CURE only underwrites in NJ and PA
CURE usually offers lower premiums than their local competition	Multiple customer complaints about long, complicated, and difficult claim processing

If you have a clean driving record, never get into an accident, and can’t get an affordable rate from another insurance firm, it may be based on factors such as your credit score or your homeownership status. CURE provides an alternative. However, you need to be a New Jersey or Pennsylvania resident. If you ever do need to file a claim with them, you might want to prepare yourself for a protracted battle with your insurance company.

Additionally, in a CURE auto insurance review, several pros and cons of the provider are highlighted. The CURE auto insurance logo symbolizes the company’s commitment to transparent and trustworthy service.

As Citizens United Reciprocal Exchange (CURE), a not-for-profit organization, their goal is to provide legitimate insurance options at fair rates. While their non-profit status is often seen as a benefit, reviews may also mention limitations in coverage or service compared to other insurers.

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Corporate Headquarters
214 Carnegie Center, Suite 101
Princeton, NJ 08540
www.cure.com
Phone:1-800-535-CURE (2873)