CURE Auto Insurance does not consider your credit score, occupation or education level when providing quotes. Operating out of New Jersey and Pennsylvania currently, their not-for-profit reciprocal exchange currently provides quotes to drivers.
Cure has received some negative feedback for their complex claims process, while other customers reported having an effortless experience signing up with them.
Credit Score
Cure auto insurance stands out from other car insurers with its non-for-profit business model and unique mandate: to serve client interests. Since 2006, Cure has also sponsored an annual Pay It Forward scholarship award as part of this mission.
Cure doesn’t use credit scores or factors such as occupation or education level to set its car insurance premiums; their premiums instead primarily take into account driving history and other internal data. Bankrate’s analysis showed that Cure may offer drivers with poor credit histories an alternative or those denied coverage elsewhere, though its availability is restricted to three states only and doesn’t offer home or life policies.
Policies offered by this company cover bodily injury and property damage liability coverage as well as collision and comprehensive protection, with discounts offered such as multivehicle collision coverage and parking discounts.
Insurance provider Progressive’s claims process has received mixed reviews, yet specific customer complaints remain difficult to locate on its website. Some customers claim it takes too long for responses or has caused delays, while others allege adjusters second-guess medical opinions or refuse to cover necessary procedures, leaving them with significant medical bills and no coverage from insurance.
Age
CURE Auto Insurance is licensed in three states and serves drivers in New Jersey, Michigan and Pennsylvania. As a non-profit reciprocal exchange started in 1990, CURE specializes in offering affordable rates to drivers with less-than-perfect credit scores by basing its prices solely on driving history – this may make CURE attractive for students whose finances don’t quite measure up to traditional insurers who quote them high premiums.
Cure Insurance Company has earned itself a bad name by repeatedly trying to nullify policies during or after claims and questioning medically necessary surgeries, according to auto accident attorneys who assist crash victims. Auto accident attorneys report that Cure is more often trying to deny claims than any of the other insurance providers they work with in Michigan – consumer complaints about them nearly quadrupling between 2023-2024.
As part of the underwriting process, CURE requires you to provide your driver’s license number and VIN for each car being insured. This information is then used to confirm your driving record and claims history as well as service companies who help issue policies; such as those who appraise vehicles and investigate or settle claims. Furthermore, your information may also be shared with legal and regulatory authorities as well as insurance support organizations. You have the right to review any personal data stored at CURE by sending written request directly to them at: 214 Carnegie Center Suite 301 Princeton New Jersey 08540
Driving Record
CURE offers more affordable car insurance premiums for single women due to its focus on only considering your driving record when quoting premiums. Customers have found this approach especially convenient as their premiums become more manageable based on this factor alone.
ValuePenguin reports that those who have been with their company for at least three years can take advantage of discounts on their policy, such as a zero loss history discount and safe driver discount. Drivers who park their vehicles in garages or highly secure facilities also qualify for reduced insurance rates.
Cure insureds often report poor customer service and slow claim processing. According to ValuePenguin, these customers reportedly find the company representatives take too long to resolve their claims, appear disorganized in record keeping systems, or refuse to cover medically necessary surgeries and costly services necessary for recovery – leading them down the path toward crushing debt or even bankruptcy.
Keep in mind that CURE only currently offers auto insurance policies, so if you wish to bundle home or renters policies together or manage them all through one source you will need to find other providers. Although, they do provide a Basic policy which could work well if your financial resources are limited.
Vehicle Information
CURE does not require a credit score in order to qualify for its car insurance policies and bases its prices solely on driving history, making them an attractive option for students with poor or no credit who need car coverage. Furthermore, this company doesn’t take occupation or education level into consideration when setting policy prices; another plus for low-income consumers who may otherwise face discrimination by other insurers.
Policies offered by our company come in two varieties, the basic policy which only meets state minimum requirements and the standard policy with more comprehensive coverage. Those opting for the basic policy may save up to 30% by driving accident free for three years with three or more accidents free years being submitted; for standard policies qualifying drivers must complete two accident free years to receive the 5% good driver discount and three or more for 15% safe driver discounts.
Though most customers report positive experiences with Cure Insurance Company, several have lodged complaints on Reddit about how the company manages auto insurance claims. These issues include attempts by Cure to revoke policies or refuse certain damages; such actions have left crash victims suffering financial losses as well as additional hardships.
Whenever you have questions or complaints about the company, customer service can be reached at 800-535-CURE (2873) Monday through Friday between 8 am and 7:00 pm, and Saturday 9:30 am – 4:00 pm. You can also file a claim with your state insurance department.