CURE Insurance Services, unlike traditional insurers, focuses on customer service rather than profit. Their affordable rates are determined solely by driving records; credit history or occupation do not factor into premium calculations. Furthermore, CURE offers an exclusive loss-free discount for drivers who maintain a clean record for two years or longer.

It is a not-for-profit company

CURE has come under scrutiny for poor customer service when it comes to handling claims, with customers reporting long wait times before their auto accident claims are settled and no clear and organized record system available so as to track their status of claims more easily. These complaints have resulted in several lawsuits being filed.

One of these lawsuits involved a car accident which injured third-parties. The injured parties claimed that Cure’s post-loss misrepresentations regarding this crash violated New Jersey law; and, following litigation proceedings, a court agreed with their claims and ordered that coverage for them from Cure be paid out by Cure.

While some critics of the company claim it does not treat drivers fairly, others have had positive experiences. Their affordable rates make the service especially attractive to drivers with poor credit or lower incomes; additionally they provide comprehensive coverage – including liability protection and personal injury protection.

Before selecting an insurance policy, it is wise to do your research and compare prices. There are numerous companies with competitive rates that don’t discriminate based on demographic factors or discounts for drivers taking defensive driving courses or participating in safety-related activities – these discounts could significantly lower premiums! Some also provide uninsured/underinsured motorist coverage as well as comprehensive auto coverage options.

It is based in New Jersey and Pennsylvania

CURE Auto Insurance was established as a non-profit car insurer in 1990 to offer affordable coverage to low-income drivers in New Jersey and Pennsylvania, including no-fault no matter their credit ratings. CURE doesn’t take into account factors like driver credit history, occupation or education level when calculating premiums – unlike many other car insurers!

CURE offers more than standard liability coverage: it also offers collision and comprehensive policies as well as collision- and comprehensive-loss mitigation coverages, along with collision- and comprehensive-loss reduction coverages. CURE also offers a good driver discount; to qualify, drivers must go two claim-free years with no major or minor violations in that time. They can earn an additional 5% discount by taking part in a defensive driving course.

Though most customers are satisfied with their policies, some have voiced displeasure regarding the claims process. According to ValuePenguin’s research, most customer complaints revolve around CURE representatives taking too long and having disorganized records when handling claims.

CURE’s basic car insurance package remains an economical choice for drivers in search of an affordable policy, however it falls short in meeting most states’ minimum coverage requirements; drivers will therefore require additional coverage options to meet minimum state minimum requirements; in addition, this basic plan does not include personal injury protection coverage.

It offers a basic policy

CURE is a non-profit company offering car insurance to drivers with poor credit. Their aim is to eliminate income discrimination by offering affordable policies to meet state minimum requirements for bodily injury liability, uninsured/underinsured motorist property damage coverage and collision coverage; comprehensive protection can be added at an additional fee if desired.

Though Cure customers have received negative reviews regarding its claims management and customer service, there have also been plenty of praiseworthy testimonials online. Their website is user-friendly, their representatives friendly and helpful; yet some customers have complained of long wait times for claims approval and delayed payouts which is likely related to using an outside third-party claims handling service.

Cure Insurance stands out from the pack by not using credit as its main factor when setting rates, instead basing them primarily on driving history instead. This makes them attractive options for students with poor or limited credit histories or those looking for new providers who wish to switch providers. Furthermore, Cure prohibits non-driving factors like gender, marital status, occupation or education level when setting prices to ensure fairness and avoid discrimination; currently the company only operates in New Jersey and Pennsylvania but plans on expanding.

It offers a standard policy

Standard policies offer drivers who want to save money and still secure adequate protection an excellent solution. It covers traditional first-party claims like bodily injury liability and uninsured motorist property damage as well as towing and labor expenses; however, this coverage doesn’t extend to collision or comprehensive protection which are essential features for most car owners.

CURE Auto Insurance is a non-profit cooperative, meaning it pools its customers’ premiums to cover claims. This model enables it to offer lower rates than most competitors while offering more cost-effective claims experiences and excellent customer service records. CURE also provides high-risk drivers with SR-22 car insurance policies with excellent customer service records; its unique business model makes comparing CURE against for-profit insurers difficult; local Reddit users report generally positive experiences regarding premiums and customer service but have issues with CURE’s claims process process process compared with others for-profit insurers.

CURE stands apart from many other insurers by using driving history alone to assess accident risks, rather than factoring in credit scores, occupation or education levels as factors in its assessments of accident risks. This allows it to provide significantly lower rates than what other companies charge drivers with poor credit histories – not using credit-derived insurance scores that may discriminate against minorities or poorer drivers; not charging for sex, home ownership or education levels either – with each driver’s rates significantly lessened as a result of its approach.