Car insurance is a crucial element for anyone who drives. However, the complexity of different car insurance policies, coverage options, and costs often makes it challenging for people to make an informed decision. That’s where CURE Car Insurance comes in—an alternative option for people looking for affordable and straightforward car insurance.
CURE (Citizens United Reciprocal Exchange) Car Insurance is a non-profit organization established in 1990 in New Jersey.
It offers car insurance to residents of Pennsylvania, New Jersey, and Maryland and operates under the concept of a reciprocal exchange, where members pool resources to insure each other. With CURE Car Insurance, drivers can enjoy cost-effective coverage options with no hidden fees.
This article will cover all you need to know about CURE Car Insurance, including the types of coverage it offers, how it works, and how it differs from traditional car insurance providers.
Keep reading to find out why CURE Car Insurance might be the right fit for you.
About CURE Car Insurance
James J. Sheeran, a former New Jersey insurance commissioner, and Lena Chang founded Citizens United Reciprocal Exchange (CURE), a not-for-profit reciprocal exchange, in 1990 to help New Jersey drivers reduce the cost of their auto insurance.
They have since grown to Pennsylvania and Michigan, all while staying true to their purpose of providing inexpensive coverage to all drivers, regardless of driving history or financial situation.
CURE Auto Insurance’s emphasis on safe driving behaviors is one of its distinguishing aspects. They provide policyholders with incentives to practice good driving practices, such as not speeding or driving while distracted.
This not only recognizes and rewards responsible drivers but also encourages all policyholders to drive more safely.
Consider CURE Auto Insurance if you want reasonable auto insurance from a company that values safe driving behavior.
You might be amazed at how much you can save on your premium while simultaneously supporting a non-profit organization dedicated to providing equitable and accessible insurance coverage to all.
Another great car insurance company you can explore is Nissan. Read our detailed review here: Nissan Car Insurance: All You Need to Know About Nissan
CURE Car Insurance Products and Services
CURE provides unique services and discounts to drivers who have completed defensive driving training. Customers can also manage their policies, make payments, and record claims using a mobile app.
Here are some further details regarding CURE Auto Insurance’s products and services:
- Liability coverage: CURE provides bodily injury and property damage liability coverage to assist and protect you if you cause an accident that injures or damages others’ property.
- Collision coverage: Collision coverage pays for damage to your vehicle in the event of an accident with another vehicle or object, regardless of who is at fault.
- Comprehensive coverage: Comprehensive coverage protects your car from non-collision situations, including theft, vandalism, and weather damage.
- Good Driver Program: CURE provides a Good Driver Program that encourages responsible driving behavior with lower premiums.
- Defensive Driver Discount: Drivers who finish a state-approved defensive driving course may be eligible for a premium reduction.
- Roadside Assistance: CURE provides optional roadside assistance coverage that includes services such as towing, jump starts, and lockouts.
- Mobile App: Customers can use their smartphones to manage their insurance, make payments, and record claims via the CURE mobile app.
- Glass Repair: CURE works with a network of glass repair shops to deliver rapid and economical glass repairs or replacements.
- Pet Injury Coverage: CURE provides optional coverage for pet injuries caused by an automobile accident.
Take Out Time to Read: Plymouth Rock Insurance Review 2023: Is Plymouth Rock Auto Insurance Legit?
CURE Car Insurance Pros and Cons
CURE Auto Insurance is one of the most well-known names in the industry and has been providing insurance policies to drivers for quite some time now. However, like any other service, there are some pros and cons that come with it.
Pros
1. Affordability: CURE Auto Insurance is known for offering competitive rates that can save you money compared to other insurance companies.
2. Excellent Customer Service: CURE Auto Insurance is highly regarded for its customer service. The company provides quick and efficient assistance with claim handling and is available to help with any issues that may arise.
3. Rewards for Good Driving Behavior: CURE Auto Insurance provides a variety of rewards and incentives for good driving behavior. If you maintain a safe driving record, you can earn cash-back rewards.
4. Non-Profit: CURE Auto Insurance is a non-profit organization, meaning that profits go towards improving the services offered and lowering the rates for customers.
Cons
1. Limited Coverage: CURE Auto Insurance doesn’t offer as much coverage as some of its competitors. This can be problematic if you’re looking for specific types of coverage or if you have a high-risk driver in your household.
2. Only Available in Limited States: CURE Auto Insurance is currently only available in a handful of states, so it’s important to check if your state is covered before considering the company.
3. Strict Qualifications: CURE Auto Insurance has strict qualifications for customers, which means not everyone will be able to qualify for coverage.
One great car insurance company you can explore is State Farm. Read our detailed review here: State Farm Classic Car Insurance Review: All You Need to Know
CURE Car Insurance Cost
Because there are so many factors that go into deciding your insurance premiums, it’s impossible to make an apples-to-apples comparison.
However, CURE has a unique rate-calculating mechanism that excludes many of the typical rate-calculating ingredients, most notably credit ratings. Instead, CURE employs a model that is more concerned with your driving record.
If you have a spotless driving record but can’t find affordable auto insurance with other providers, CURE might be worth a look.
How to Get Car Insurance Quotes From CURE
CURE offers quick online quotes. You’ll need your information as well as personal information for everyone else who lives in your home, even if they don’t drive your car regularly. This includes wives, children, and roommates.
You must give the following information:
- Name, Address, and Zip Code
- The email address
- Preferred Policy commencement date
- Current insurance details (carrier name, current payment, expiration date)
- Whether you own or rent your property,
- Phone number and best time to contact
- Birthdate
- Relationship status
- Gender
- Age you initially acquired your driver’s license, Driving record (DUIs, moving infractions, and so on)
- Other drivers’ and household members’ information
- Coverage options you want to buy (liability, PIP, etc.)
CURE can automatically locate automobiles registered to your address, saving you time. If CURE is unable to locate the information on its own, you must also submit your vehicle’s VIN, model year, and make.
You can also explore Aflac car insurance. Read our review about them: AFLAC Car Insurance: All You Need To Know
CURE Car Insurance Discounts
Discounts are frequently mentioned as being absent in CURE auto insurance reviews.
Insurance firms provide discounts to consumers to help them save money and to reward them for safe driving practices. Finding a firm that offers a variety of discounts that you can take advantage of will considerably reduce your monthly costs. While CURE offers some discounts, it does not compete with larger corporations.
You may be eligible for the following vehicle insurance reductions if you buy at CURE:
1. Driving defensively
By attending a CURE-approved defensive driving course, you can save 5% on your liability, collision, and personal injury protection insurance.
2. Loss-free
If you go two years without filing a claim, CURE will give you a 5% discount on your comprehensive and collision insurance. The longer you remain, the more money you will be able to save. After five years, the discount is reduced to 20%.
3. Safe Parking
Insurance providers prefer that you park your vehicle in a safe place. Parking off-street saves you 10% on your comprehensive insurance, and parking in a secure garage saves you 25%.
While this isn’t the most extensive list of discounts, CURE still provides some good ways to save. However, before signing up for insurance, you should consult with a representative because options and availability vary by state.
How to Maximize Savings in CURE
CURE Auto Insurance claims to provide reasonable coverage, but there are various ways to save even more money.
1. Inquire about any other potential discounts
CURE claims that there are other reductions available in addition to those advertised on its website, but it does not clarify what they are.
CURE also does not mention how much these reductions can save you, so it’s worth asking a representative what else they can offer you.
2. Choose the bare minimum of coverage
Each state has its own standards regarding minimum insurance coverage requirements, and you are always free to choose the bare minimum of coverage.
Keep in mind that if you have a terrible accident and the costs exceed the coverage level you’ve paid for, you’ll be responsible for the difference.
3. Choose a larger deductible
Each coverage amount has its own deductible level, which is the amount you must pay out of pocket before your coverage takes effect and you can file a claim.
If you have a higher deductible, your premium will be lower. Based on how much you have saved in your emergency fund, choose the highest deductible amount you can afford.
4. Select the Limitation of Liability option
This option, which is only accessible to New Jersey residents, implies that you will be unable to sue for pain and suffering unless you suffer a catastrophic injury.
In other words, you can’t sue for pain and suffering in a car accident and expect your insurance company to pay your lawyer. Choosing this option might save you $75 to $1,240 per year on your bodily injury liability premium.
CURE Car Insurance Claims
Customers report multiple rounds of back-and-forth communication with CURE during the claims process. In terms of having relevant paperwork and information in place, company personnel can be unresponsive or uncoordinated.
Several policyholders have reported lengthy investigations with delayed reimbursements, while others have expressed satisfaction with claims being handled in full and swiftly.
Here’s how to file a claim with CURE
Unlike most firms, CURE provides fewer choices for customers to make claims online. To file an automobile insurance claim with CURE, you must call and speak with a claims representative.
You will be automatically connected with a claims representative after contacting the claims phone number without having to enter any instructions. CURE claims representatives are available 24 hours a day, seven days a week.
Phone Number: (800) 229-9151
Customer Service: To speak with a live person about general CURE customer service issues, call 800-535-2873.
CURE Auto Insurance Ratings and Reviews
CURE Auto Insurance has received positive ratings and evaluations from many insurance companies and rating agencies. For example, CURE was ranked “better than most” in the New Jersey region by J.D. Power’s 2022 U.S. Auto Insurance Study for overall customer satisfaction, policy offers, and pricing.
According to the National Association of Insurance Commissioners (NAIC), CURE has a complaint ratio that is lower than the national median, meaning that the company receives fewer complaints than other insurance providers of comparable size.
Furthermore, the organization has a higher-than-average complaint score, with an NAIC complaint score of 1.31. The company’s high rating on numerous customer review websites suggests that customers are generally satisfied with CURE.
Some consumers applauded CURE for its low prices and outstanding customer service, while others praised the Good Driver Program and other savings it provides. Overall, the ratings and reviews indicate that CURE Auto Insurance is a good choice for drivers in the states where it is available.
Frequently Asked Questions
Is CURE legit?
CURE Auto Insurance is a reputable company with offices in Michigan, New Jersey, and Pennsylvania. The State Department of Banking and Insurance has granted CURE an NAIC registration number, and the BBB reports that it has been in operation since June 1, 1990. CURE earns an A+ from the BBB.
How do you terminate a CURE policy?
Customers can terminate CURE vehicle insurance coverage by calling 800-535-2873, informing them that they wish to cancel their policy, and following the procedures provided. Policyholders should be prepared to provide their policy number and effective cancellation date when contacting
Is there CURE auto insurance in Michigan?
Yes. CURE Auto Insurance is licensed to operate in Michigan as of July 2, 2021. On its website, you can quickly and conveniently obtain a car insurance quote.
Conclusion
CURE Car Insurance was founded at a time when many individuals lacked access to auto insurance, and it still solves a similar need for many people today.
CURE may offer lower rates to those who experience higher premiums from other insurance companies due to factors such as their credit score. A clean driving record is the most important requirement for CURE.
CURE also includes free roadside assistance coverage on all insurance, which is a pleasant extra.
CURE Auto Insurance, on the other hand, isn’t for everyone. CURE may not have the best reputation for customer service, though it has improved in recent years.
There is also no information on the company’s financial stability. If that doesn’t dissuade you, CURE Auto Insurance could be a good choice for you.
Reference
- financebuzz.com – CURE Auto Insurance Review [2023]: Is It The Cure For Run-of-the-Mill Insurance?
- consumerinsurancereport.com: CURE Insurance Review
Leave a Reply