Saving is essential to life and one effective strategy is economizing on wants while prioritizing needs.
CURE Auto Insurance serves drivers in New Jersey, Pennsylvania and Michigan and offers basic car coverage plans that cover bodily injury liability, property damage liability, comprehensive coverage as well as towing and labor.
1. Review Your Policy
Review your policy annually as a general rule. Establishing this as part of your routine can ensure you don’t forget, while giving you an opportunity to find savings opportunities. Making a calendar reminder or connecting the review to something special like your birthday or anniversary may help ensure it happens without fail.
CURE offers basic plans with minimal costs and coverage options that are tailored for drivers looking to limit their exposures to risk. However, CURE also provides optional coverage options like collision and comprehensive (other-than-collision), towing & labor and roadside assistance, with customers having various deductible choices which could have an effectful monthly rates impact.
CURE premiums reflect its not-for-profit reciprocal exchange status by including an additional 10-20% mandatory contribution to their surplus contribution fund, increasing rates relative to traditional insurers but strengthening CURE’s financial stability, according to company representatives.
CURE Insurance Company operates within Michigan, New Jersey and Pennsylvania only and customer service can only be accessed via phone call. Customers must also pay an up-front deductible when filing claims which could reduce its value over time. Lastly, there have been multiple complaints filed against them with the Better Business Bureau.
2. Compare Rates
CURE Auto Insurance is a car insurer offering services in New Jersey, Pennsylvania and Michigan that stands out from competitors by not taking credit scores into consideration when setting policy prices; instead relying solely on driving history as its gauge to set rates. This makes CURE an attractive option for people who lack sufficient credit but want coverage nonetheless.
However, for an affordable policy with liability and collision coverage, Geico and Progressive offer lower quotes than CURE. To lower your premium cost even further, make sure that you ask about all available discounts like good driver, low mileage and parking discounts – there may even be options that help such as good student discount!
Another way to save is by choosing a higher deductible on your PIP, collision and comprehensive policies. While this may increase monthly costs slightly, it will decrease premium significantly. To learn more about which discounts may apply to you speak with a representative from Cure or request a quote online and see if Cure is right for you.
3. Review Your Coverage
CURE Auto Insurance offers several discounts designed to help drivers save money on their premiums. Some are available universally while others apply only when certain criteria are met – these discounts include good driver, safe driving and low mileage discounts as well as parking discounts awarded when vehicles are securely parked such as garage or driveway.
CURE also provides discounts, and package options that combine collision and comprehensive coverage with roadside assistance to provide optimal savings for drivers who seek to minimize financial loss in case of an accident. Unfortunately, however, CURE does not provide home or renters insurance policies, making managing them all onerous for some drivers.
CURE Auto Insurance is an excellent choice for drivers in New Jersey, Pennsylvania and Michigan who seek a provider who does not consider credit history when setting policy prices. CURE also offers competitive rates to drivers with poor or no credit histories – something many consumers appreciate. Nonetheless, they should compare multiple providers before selecting their provider of choice in order to secure the best available deals.
4. Drive Safely
CURE auto insurance differs from traditional insurers by taking an in-depth approach when it comes to risk assessment, taking an individual’s driving history into consideration in calculating premium rates and offering affordable premiums even to drivers with poor credit histories. Of course, CURE still takes age, gender and other considerations such as occupation and education level into account as well.
CURE offers multiple discounts for safe drivers, such as savings on comprehensive coverage (other-than-collision) and an auto theft discount. In addition, drivers who park in secure parking facilities receive an auto theft discount as well as a loss-free discount after going a certain period without filing an insurance claim.
CURE has earned rave reviews from some customers; however, according to the Better Business Bureau they have also received six complaints in three years related to claims or customer service issues.
Overall, finding the appropriate car insurance coverage is paramount to your wellbeing. If you want a competitive rate, compare quotes from multiple companies to get the best deal. When driving safely and being mindful of other drivers around you is also beneficial; avoid distraction by not using your phone while behind the wheel and maintain an appropriate distance from cars ahead so you have ample time to react if another makes unexpected moves.