CURE Auto Insurance is a not-for-profit reciprocal exchange that provides car insurance in New Jersey, Michigan and Pennsylvania. Customers on Reddit report good customer service and fair rates while noting the claims process can be complex.
This company offers drivers on a budget a basic policy while offering more comprehensive protection an option with standard coverage. They also provide multiple discounts to help drivers reduce premium costs.
Affordable Coverage
CURE offers competitive rates based on driving history, with its most basic policies offering minimum state car insurance limits. But their low premiums may leave drivers without comprehensive or collision protection should a crash occur; those seeking this additional coverage should investigate other insurers instead.
CURE Insurance stands out from larger brand-name car insurers by not factoring credit checks, occupation or education levels into its pricing models when setting prices, making them an appealing option for people with poor or no credit who have been turned down by other auto insurers. Unfortunately though, as it only specializes in car coverage it may not be appropriate for people needing other forms of coverage or seeking discounts by bundling multiple policies together with one provider.
CURE offers more than the typical auto policy; their personal injury protection (PIP), which covers medical expenses for you and your passengers regardless of who was at fault in an accident; roadside assistance including towing, tire services and battery jump-starts as well as rental car reimbursement if your vehicle needs repair; as well as a loss-free discount that allows customers to save money over time without filing claims.
All policies from this insurance provider require customers to put down a 25% deposit that they’ll get back if they decide to leave after six months, commonly known as the surplus contribution fund deposit – according to The Detroit Free Press this amount typically totals about $146 for Michigan residents in addition to their base premium payment.
Reliable Protection
CURE Auto Insurance offers traditional coverage such as bodily injury and property damage liability as well as personal injury protection (PIP), along with more specialized policies like collision, comprehensive and roadside assistance. They have insurance licenses in Michigan, New Jersey and Pennsylvania and their rates compete favorably with national insurers.
This company stands out from others by not taking into account credit score or income proxies such as homeownership into policy prices, making them an appealing option for drivers with poor credit or income who may have been denied coverage by other insurers due to discriminatory reliance on income rating factors. They state this on their website.
Since launching in Michigan, Cure has issued policies with liability-only coverage and no PIP at as little as $77 for six months for drivers wishing to drive without PIP coverage. Other policies provided meet minimum state requirements of $50,000 per person and $100,000 total bodily injury coverage.
Customers can purchase policies online and manage them through an account portal, calling customer service representatives during business hours for help with their policies, or live chat and email support for managing payments or account administration. In addition, customers can track claims either via their portal or by calling the claim center.
Fair Rates
CURE Insurance stands out amongst insurance providers by offering affordable car insurance rates to drivers with lower incomes or poor credit histories, as well as fair prices for older drivers with an excellent driving record. Unfortunately, CURE only operates in three states and has few third-party reviews to share their services with potential clients.
CURE auto insurance does not take into account your credit score or occupation when setting premiums; rather, they focus on your driving history instead and only charge you for coverages you need. Unfortunately, any recent at-fault accidents on your record could increase rates considerably.
CURE offers multiple discounts to encourage safe driving and help keep your car secure, such as a loss-free discount that increases as time goes by without making a claim, multi-vehicle discounts for insuring multiple cars through them and parking discounts when parking their cars in garages or off-street lots, parking discounts when stored securely off street and a 5% reduction off liability, collision, personal injury protection (PIP) coverage upon completion of a defensive driving course.
CURE may provide an affordable option for drivers with poor records, yet its claims process can be lengthy and frustrating. According to car accident attorneys who represent victims of collisions, Cure has a reputation of denying claims more often and trying to cancel policies than other insurance providers.
Good Customer Service
CURE Auto Insurance’s customer service team excels at offering quick and efficient assistance to policyholders. Each policy comes equipped with roadside assistance including towing services, tire changes and jump starts. CURE also offers various discounts including good driver discounts, low mileage discounts and multi-car discounts as well as offering incentives to park cars securely within a garage or driveway.
The company provides fair policy rates at an economical cost. They don’t consider factors outside a driver’s control such as credit scores or homeownership when determining rates; instead, only their driving record determines them – helping prevent discrimination due to factors outside their control, like education levels.
Not all customers, however, have reported issues with the claims process. According to reviews on Better Business Bureau website, some have had to engage in multiple rounds of communication with representatives before being able to settle their claims.
Cure offers affordable and reliable auto insurance coverage; however, there may be better alternatives available. It is wise to shop around and compare quotes from multiple companies before determining the one that meets your individual needs and avoid policies which exclude no-fault medical coverage as this could put you in jeopardy for crushing medical debt and financial hardship in case of an accident.