CURE Auto Insurance coverage Assessment – ValuePenguin

Video Cure auto insurance reviews

CURE is an auto insurance coverage firm out there in New Jersey, Michigan and Pennsylvania that primarily considers driving historical past whereas inserting much less emphasis on different components like your credit score rating. It is a good choice to think about for drivers who could have a below-average credit score historical past however who’ve minimal accidents and visitors violations on their information.

CURE Auto Insurance coverage charge comparability

We discovered that CURE Auto Insurance coverage quotes are sometimes dearer than common throughout our three pattern demographics. Primarily based on these quotes for drivers in New Jersey, Geico and Progressive are usually cheaper than CURE for many drivers.

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CURE Auto Insurance coverage reductions

CURE has a brief checklist of reductions for drivers. Observe that these are the reductions out there to New Jersey drivers, and availability could differ by state. Most CURE reductions solely apply to sure coverages: for instance, protecting your automobile in a safe storage will scale back what you pay for complete (other-than-collision) protection however will not affect your legal responsibility protection.

Loss-free low cost

CURE policyholders are eligible for a loss-free low cost that will increase the longer they go with no declare on their coverage.

In case you have two claim-free years whereas insured with CURE, you will obtain a 5% low cost. After three years, the low cost will increase to 10%, and at 5 or extra years, the low cost jumps to twenty%.

Parking low cost

CURE Auto Insurance coverage policyholders are eligible for reductions on their complete protection in the event that they park their automobile in sure areas:

Auto insurance coverage coverage protection

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CURE gives each a primary and customary automobile insurance coverage coverage in New Jersey. The essential coverage is a lower-cost different to the usual automobile insurance coverage coverage for drivers who could discover the options and protection pointless.

Charges based mostly on driving historical past

CURE Auto Insurance coverage stands aside as a result of it bases insurance coverage premiums primarily in your driving historical past. Most insurers consider credit score rating, the best stage of training attained, homeownership and different components to find out the danger of a driver moving into accidents. CURE, nevertheless, views this as revenue discrimination and secondary to accident dangers.

When you dwell in New Jersey, Michigan or Pennsylvania and have a fantastic driving document however below-average credit score historical past or instructional attainment, think about CURE. Nonetheless, which means that you will see a proportionally larger bounce in charges after a crash than you’ll at one other insurer.

Charges at CURE for married {couples}, nevertheless, are dearer versus the state common and dearer than at some rivals like Geico or Progressive. For a married couple, age 35, Geico is 60% cheaper than CURE, and Progressive is 29% cheaper.

The essential bundle

Typically talking, within the state of New Jersey, CURE gives the next protection in its primary automobile insurance coverage bundle:

CURE additionally permits its clients to create their very own coverage, identical to at different insurers, the place you may select your legal responsibility limits. These plans additionally supply optionally available coverages like collision, complete (other-than-collision) and towing coverages.

Find out how to file a declare with CURE

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After dialing the claims cellphone quantity, you will mechanically be linked with a claims consultant with out having to key in any prompts. CURE claims representatives can be found 24/7.

Telephone quantity: 800-229-9151

Customer support

To talk to an individual for common CURE customer support questions, dial 800-535-2873:

About CURE Auto Insurance coverage

CURE Auto Insurance coverage is licensed to supply auto insurance coverage within the states of New Jersey, Michigan and Pennsylvania. CURE stands for Residents United Reciprocal Alternate. It was based in 1990 by former New Jersey Insurance coverage Commissioner James J. Sheeran and Lena Chang and is predicated out of Princeton, N.J. CURE is just not arrange as a standard insurance coverage firm and as an alternative exists as a not-for-profit reciprocal alternate.


We evaluated CURE on its value, protection choices and repair to see the way it stacks up towards its rivals.

All insurance coverage quotes are for a driver (or drivers) dwelling in Edison, N.J., who drives a 2015 Toyota Corolla with no latest claims or driving infractions.

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