CURE Auto Insurance Review for 2020

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: May 31, 2021

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Wouldn't it be great if there were a not-for-profit insurance provider in your area that offered lower rates and didn't artificially inflate your monthly premiums based on seemingly unimportant factors, such as your credit score? Well, if you live in New Jersey or Pennsylvania, there is: CURE (Citizens United Reciprocal Exchange) Auto Insurance. The company focuses exclusively on automotive policies (as opposed to offering additional products like Homeowner's Insurance) and calculates premiums based solely on your driving record. For more information on what to expect from CURE, keep reading.

What is CURE Auto Insurance?

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, they have some pretty positive customer service reviews. 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

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What Discounts Does CURE Offer for Cheap Insurance Rates?

CURE prides itself on being a not-for-profit company that protects drivers from discriminatory practices. CURE promises to offer low rates for careful drivers who have a clean driving record. They don't believe a customers' monthly premiums on things like education level, homeownership status, or occupation affect risk. The discounts in the chart below are reflective of this particular business philosophy.

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

What Types of Auto Insurance Policies Are Available?

CURE doesn't go into deep detail about the types of coverage they offer to their customers on their website. Their primary focus is affordable car 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

How Can I Compare Insurance Premiums from CURE?

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.

CURE Auto Insurance Quote ComparisonLegend: CURE Married Couple25-Year-Old DriverSingle RenterSenior Married Couple 20406080100120140160180200$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 discount on collision or comprehensive insurance they would expect from other providers based on what CURE considers irrelevant factors.

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What Are the Pros and Cons of CURE 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 home ownership 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.

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

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