CURE Auto Insurance, which is short for Citizens United Reciprocal Exchange and this is nonprofit company when they started. According to the Better Business Bureau (BBB) reviews Cure Auto insurance offers only drivers who lives in Michigan, New Jersey, and Pennsylvania.
In many places people who have low credit scores then they pay more for car insurance. CURE Auto Insurance is trying to stop that from happening.
CURE Auto Insurance : Contact information
| Phone number | 800-535-2873 |
| Roadside Assistance (24/7) | 866-522-1991 |
| Official Website | www.cure.com |
| Report Claim Online | Click Here |
| Download the CURE App | Click Here |
| Official Mailing Address | 214 Carnegie Center, Suite 301,Princeton, NJ 08540 |
CURE Auto Insurance Coverage
CURE Auto Insurance offers standard types of car insurance options includes:
- Liability Car Insurance : This insurance can helps you to pay for damages to other people and their property if you cause an accident. It includes coverage for injuries and property damage.
- Collision Coverage: If your car gets damaged in a crash with another vehicle or object, this insurance helps cover the repair costs.
- Comprehensive Insurance: This insurance protects your car from non-collision-related damage, such as theft, vandalism, natural disasters, and civil disturbances.
- Medical payments Coverage (MedPay): It covers medical expenses for you and your passengers after a car accident, regardless of who’s at fault.
- Personal injury protection (PIP): PIP pays for medical treatment and other losses, like lost wages, when you’re injured in an accident.
- Uninsured/underinsured motorist (UM/UIM): This insurance comes to your rescue if you’re in an accident with a driver who doesn’t have enough or any insurance to cover your costs.
CURE Auto Insurance Minimum Coverage for New Jersey Drivers
In New Jersey, CURE Auto Insurance offers two different car insurance policy: Basic Car Insurance and Standard Car Insurance.
CURE Basic Car Insurance includes:
- $10,000 in extended MedPay payments coverage:
- $15,000 in PIP (Personal Injury Protection) coverage
- $5,000 in property damage coverage
Drivers can also choose to add up to an extra $10,000 in bodily injury liability coverage and personal injury protection to their policy if they wish.
CURE Standard Car Insurance
With Standard Car Insurance you can choose the types of coverage you want, like comprehensive, collision, PIP, and liability coverage. When you’re trying to decide which one is best for you in between CURE Standard and Basic options think you think about how much car insurance you need.
CURE Auto Insurance Rates
Our research only not provide specific rates of CURE Auto Insurance rates, that the average cost of full-coverage car insurance across the country is approximately $1,730 per year. A full-coverage car insurance policy usually consists of have liability coverage, collision coverage, and comprehensive insurance.
Here are the average rates for full-coverage car insurance in the three states where CURE Auto Insurance operates:
| State | Monthly Average | Yearly Average |
|---|---|---|
| Michigan | $315 | $3,785 |
| New Jersey | $170 | $2,037 |
| Pennsylvania | $137 | $1,647 |
Full-Coverage Car Insurance Rates with Comparison
We cannot provide specific full-coverage car insurance costs for CURE Auto Insurance. However, you can compare the rates for full-coverage insurance among some of the largest auto insurance companies in the country. These comparisons are based on 35-year-old married drivers with good credit and clean driving records:
| Car Insurance Provider | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | $88 | $1,054 |
| Erie Insurance | $103 | $1,238 |
| Nationwide | $107 | $1,281 |
| Geico | $109 | $1,308 |
| Auto-Owners Insurance | $111 | $1,337 |
| State Farm | $123 | $1,481 |
| Progressive | $134 | $1,611 |
| Travelers | $139 | $1,669 |
| Allstate | $174 | $2,088 |
| Farmers | $178 | $2,140 |
Minimum-Coverage Car Insurance Rates with Comparison
A minimum-coverage car insurance policy provides only the bare minimum liability coverage required by the state, along with any other types of car insurance mandated by the state. Here are the average national costs for minimum-coverage from best car insurance providers:
| Car Insurance Provider | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | $28 | $333 |
| Auto-Owners | $29 | $349 |
| Erie Insurance | $38 | $459 |
| Geico | $39 | $468 |
| State Farm | $45 | $543 |
| Nationwide | $51 | $613 |
| American Family | $57 | $685 |
| Progressive | $57 | $687 |
| Allstate | $60 | $725 |
| Travelers | $61 | $730 |
| Farmers | $73 | $881 |
CURE Auto Insurance Rates By Driving Profile
CURE Auto Insurance offer best prices on your driving history when calculating your premium rates. If you have had recent at-fault accidents, DUIs (Driving Under the Influence), or speeding tickets, CURE may not good choice for you.
Here are the average national rates for drivers with different traffic violations or recent road accidents:
| Driving Profile | National Average Monthly Cost Estimate | National Average Annual Cost Estimate |
|---|---|---|
| Speeding: 1-5 mph Over Limit | $185 | $2,225 |
| Speeding: 21-25 mph Over Limit | $205 | $2,464 |
| DUI | $273 | $3,277 |
| Stop Sign Violation | $190 | $2,280 |
| One Accident | $224 | $2,689 |
| Two Accidents | $313 | $3,761 |
Full-Coverage Car Insurance Rates for High-Risk Drivers in Michigan
Michigan is already has some of the highest car insurance rates in the United States. While CURE Auto Insurance is known for offering more affordable coverage, if you’re a Michigan driver then it may be considered high risk by many insurance companies.
Here are some full-coverage auto insurance quotes for 35-year-old male drivers who have received different traffic violations in Michigan:
| Car Insurance Company | Speeding Ticket | DUI | One Accident |
|---|---|---|---|
| Auto-Owners | $4,224 | $6,465 | $3,169 |
| Farmers | $8,634 | $8,795 | $9,227 |
| Michigan Farm Bureau | $5,658 | $9,102 | $3,958 |
| Progressive | $2,118 | $1,988 | $2,328 |
| State Farm | $6,392 | $9,697 | $4,556 |
Full-Coverage Car Insurance Rates for High-Risk Drivers in New Jersey
Here are the average full-coverage car insurance rates for 35-year-old male drivers in New Jersey who have different traffic violations on their record in recent years:
| Car Insurance Company | Speeding Ticket | DUI | One Accident |
|---|---|---|---|
| Allstate | $2,870 | $3,376 | $5,440 |
| Geico | $1,400 | $2,880 | $1,983 |
| Progressive | $4,034 | $3,908 | $4,700 |
| State Farm | $3,790 | $8,511 | $3,574 |
| Travelers | $2,688 | $3,151 | $3,441 |
Full-Coverage Car Insurance Rates for High-Risk Drivers in Pennsylvania
Here are the average full-coverage car insurance prices for 35-year-old male drivers in Pennsylvania who have different traffic violations on their record in recent years:
| Car Insurance Company | Speeding Ticket | DUI | One Accident |
|---|---|---|---|
| Allstate | $2,244 | $2,244 | $3,197 |
| Erie Insurance | $1,613 | $2,355 | $1,984 |
| Geico | $2,714 | $3,074 | $2,941 |
| Nationwide | $1,662 | $3,020 | $1,899 |
| Progressive | $1,909 | $2,480 | $3,042 |
CURE Auto Insurance Discounts
CURE Auto Insurance offers various discounts to help you lower your premium, but these discounts primarily apply to comprehensive and collision coverage. Here are some of the discounts offers includes:
- Loss-free discount: If you don’t make any claims for an extended period, you can get discounts on your comprehensive and collision coverage. These discounts can range from 5% off after two years without claims to 20% off for five years with no claims.
- Parking discount: You might qualify for a 10% discount on your comprehensive and collision coverage by parking your vehicle off the street, in a driveway, garage, or parking lot. If you park in a secure garage, you could get a 25% discount.
- Multi-vehicle discount: In New Jersey and Pennsylvania, if you insure more than one vehicle with CURE, you may be eligible for a discount.
- Defensive driving discount: In New Jersey and Pennsylvania, completing a CURE-approved defensive driving course can earn you a 5% discount on liability, collision, and personal injury protection (PIP) plans.
- Referrals Rewards: Share more about CURE in your family and friends then you make savings and earn rewards.
Pros and cons of CURE Auto insurance
Certainly, here are some pros and cons to consider when evaluating CURE Auto Insurance:
| Pros | Cons |
|---|---|
| Credit history is not used to rate policies | Only offers auto insurance |
| Does not use occupation or education level as rating factors | Limited discounts and coverage options |
| Limited roadside assistance coverage is included on all auto policies | Only available in three states |
CURE Auto Insurance customer satisfaction
CURE is a not a big insurance company so it hasn’t been rated for customer satisfaction by J.D. Power and it doesn’t have an official rating from the Better Business Bureau (BBB). But if you look at customer reviews on the BBB website the most of cure auto insurance services showing are negative reviews with an average rating of just 1.05 out of 5 stars.
So, it’s important to be cautious when considering CURE auto insurance commercial as your insurance company. Make sure to read latest customer reviews and compare their services with other insurance companies before making a decision. Remember everyone’s have different experience and what’s good for one person may not be good for another.
CURE customer complaints
According to the National Association of Insurance Commissioners (NAIC), CURE auto insurance detroit has a complaint index rating of 0.73, which is 27 percent lower than the average number of complaints that insurance companies receive nationwide. This suggests that CURE auto insurance quote tends to have fewer complaints compared to the industry average, which can be a positive indicator of customer satisfaction and service quality.
Read | 10 Worst Long-Term Care Insurance Companies in 2023
FAQs
Is CURE Auto Insurance available in states other than New Jersey and Pennsylvania?
CURE Auto Insurance primarily serves customers in three stats only New Jersey, Pennsylvania, and Michigan.
How can I get a quote from CURE Auto Insurance?
You can obtain a CURE auto insurance quote by visiting their website or calling their customer service phone number.
How can I file a claim with CURE Auto Insurance?
To file a claim with CURE :-
1. Contact CURE auto insurance customer service number- 800-229-9151.Â
2. Provide description of the accident with the location, date, and time.
3. Report the name of the driver who was involved in the accident.
4. After submitted all details wait one to two business working days to hear from your claims representative.
Is CURE Auto Insurance financially stable and reliable?
As of my last update in September 2021, CURE Auto Insurance has been a reputable insurer with a focus on customer satisfaction. It’s a good practice to check the latest financial ratings and customer reviews to ensure their continued reliability.
Is CURE Auto Insurance have mobile app?
Yes, CURE Insurance have its mobile app you can login or manage your policy using your smart phone.
CURE Auto Insurance Reviews: Conclusion
CURE Auto Insurance has a commendable mission but some policyholders find its application process lacking and unsatisfactory. However, it might still be a suitable option for drivers in Michigan, New Jersey, and Pennsylvania who have a not good credit history.
