CURE auto insurance reviews show mixed results across Michigan, New Jersey and Pennsylvania. Unlike most insurers, this company doesn’t take credit scores or income proxies such as homeownership into consideration when setting premiums.
Accident victims report being misled and taken advantage of by MI DIFS when it comes to claims handling. Consumer complaints against them nearly quadrupled between 2023-2024 according to MI DIFS data.
Pros
CURE offers affordable coverage with an easy mobile app to manage policies, make payments and submit claims. They have strong financial standing as well as receiving high marks from various insurance agencies; however some customers have reported issues with their claim settlement process and customer service.
Cure Auto Insurance specializes in offering car insurance to drivers in Michigan, New Jersey and Pennsylvania, offering tailored policies with competitive rates in these three states. They employ a strong not-for-profit model that puts policyholders first; however many customers have reported issues with Cure’s claims handling including inadequate settlements and delayed responses to inquiries.
Though some customers may still express complaints against this company, others provide positive reviews. One major advantage of this company is its affordable cost; this makes it an ideal solution for people with bad credit and no discriminatory policies in regards to occupation or credit history. Furthermore, this insurer does not discriminate against drivers because of poor driving records like other insurers might do, making them an excellent alternative option that offers SR-22 car insurance policies as a solution.
Cons
Although CURE Auto Insurance holds an overall customer satisfaction rating of 3.8 stars out of 5, many customers appreciate its affordable rates and prompt claims processing. Unfortunately, however, customers frequently express displeasure at poor communication or delays in claims handling; additionaly, CURE uses tactics such as rescission to avoid paying claims; consequently policyholders must carefully consider their priorities when deciding if Cure Auto Insurance is suitable.
CURE offers not only competitive car insurance rates, but also provides SR-22 insurance to high-risk drivers. Unlike most providers, CURE uses driving records instead of credit scores or income proxies when calculating premiums – making it ideal for drivers with poor driving records who have been charged with DUI or speeding tickets.
CURE auto insurance only operates in three states – Michigan, New Jersey and Pennsylvania – and does not provide personal policies or rental car protection plans. However, CURE does offer numerous discounts that can lower costs of car insurance such as safe driving discounts, bundling policies and good grades discounts. Furthermore, its liability coverages cover bodily injury as well as property damage; though amounts required differ according to each state.
Discounts
CURE Auto Insurance offers numerous discounts. Their Good Driver Discount provides policyholders who have maintained a clean driving record for three years with a 35% reduction on premiums for Bodily Injury, Comprehensive, Collision and Property Damage coverage. Loyal customers who have been with Cure two or more years may qualify for up to 40% loyalty discounts; multi-vehicle owners could qualify for multi-vehicle discounts; parking their vehicle in a garage can help qualify them; driving less mileage may also qualify them for discounts off premiums.
CURE policies stand out by not taking credit scores, occupation or educational level into consideration when calculating premiums – making the company an appealing option for drivers denied coverage from other insurers because of these criteria.
Customers of this smaller insurer don’t quite enjoy customer satisfaction ratings on par with larger insurers; however, its Better Business Bureau rating and responsiveness to complaints seem promising. Unfortunately, its unique cooperative business model may make claims riskier; currently only operating in New Jersey and Pennsylvania, it may not be suitable for drivers seeking traditional auto policies.
Customer service
CURE (Citizens United Reciprocal Exchange) is a not-for-profit car insurance provider founded to eliminate income discrimination and provide affordable auto coverage for drivers with poor credit. CURE serves residents in New Jersey and Pennsylvania.
Customers of CURE have reported various experiences with them; while some report having enjoyed excellent policy and claim management services, others report frustrating claims handling and customer service issues.
Numerous customers of CURE have reported issues with its representatives taking too long to resolve their claims and with accuracy of information and documents received from CURE. Furthermore, some have been denied coverage for medically necessary surgeries by them as well as being accused of revoking policies more frequently than other companies.
Noting the customer reviews reported by these customers has not been independently verified; therefore it is wise to read reviews for car insurance companies before signing on with one and compare quotes across competitors before signing anything over. Furthermore, prices will differ by state.