Cure Auto Insurance Reviews (2024 Guide) – Quartz

CURE Auto Insurance is a non-profit organization that offers car insurance to drivers in Michigan, New Jersey, and Pennsylvania. It was founded in 1990 as NJ CURE, and later expanded to other states. CURE stands for Citizens United Reciprocal Exchange, which means that the members pool their resources to insure each other. CURE claims to provide affordable car insurance based primarily on the driving record, rather than factors such as education, occupation, or credit score. In this blog post, we will review the features, benefits, and drawbacks of CURE Auto Insurance.

Features of CURE Auto Insurance

CURE offers various types of car insurance coverage, such as liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, personal injury protection, and roadside assistance.
CURE has a simple online quote process, where drivers can enter their basic information and get an estimate of their premium. Drivers can also apply for coverage online, or call the customer service number to speak with a representative.
CURE has a referral program, where members can earn rewards for referring their friends and family to CURE. The rewards include gift cards, discounts, and cash back.
CURE has a policy document center, where members can access their policy documents, ID cards, and payment history online. Members can also make changes to their policy, such as adding or removing vehicles, drivers, or coverage options, online or by phone.
CURE has a 24/7 roadside assistance service, which is included with all policies. The service covers flat tires, dead batteries, lockouts, towing, and fuel delivery.

Benefits of CURE Auto Insurance

CURE claims to offer lower rates than the average car insurance company, especially for drivers with bad credit scores or low-income occupations. CURE does not use these factors to determine the premium, but rather focuses on the driving record and the type of vehicle.
CURE is a member-owned and operated company, which means that the members have a say in how the company is run. Members can vote for the board of directors, and receive dividends if the company makes a profit.
CURE advocates for fair and equitable car insurance practices, and opposes the use of education, occupation, or credit score to set rates. CURE also supports various social causes, such as animal welfare, environmental protection, and human rights.

Drawbacks of CURE Auto Insurance

CURE is only available in three states: Michigan, New Jersey, and Pennsylvania. Drivers in other states cannot get coverage from CURE, and may have to pay higher rates from other companies.
CURE has a limited network of agents and repair shops, which may make it harder for members to get personalized service or quality repairs. Members may have to pay out of pocket for repairs and then seek reimbursement from CURE, or use the preferred repair shops that CURE recommends.
CURE has mixed reviews from customers, who have complained about poor customer service, delayed claims processing, and unfair rate increases. CURE has a rating of 3.6 out of 5 stars on Google, and an A+ rating from the Better Business Bureau, but also has several negative reviews and complaints on both platforms.

Conclusion

CURE Auto Insurance is a non-profit organization that offers car insurance to drivers in Michigan, New Jersey, and Pennsylvania. It claims to provide affordable car insurance based primarily on the driving record, rather than factors such as education, occupation, or credit score. CURE also has a referral program, a policy document center, and a 24/7 roadside assistance service. However, CURE is only available in three states, has a limited network of agents and repair shops, and has mixed reviews from customers. Therefore, drivers who are interested in CURE Auto Insurance should compare the rates, coverage, and service with other car insurance companies before making a decision.