view from the backseat of two men in a car
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In most states, it can be expensive for drivers with low credit scores or less than stellar income to insure their cars. Car insurance companies are allowed to factor in things like your education level and your credit score to decide your premiums, and anything that doesn’t jive with their expectations can end up costing you a pretty penny. So even if your driving record is impeccable, you may be forced to pay a higher higher rate to insure your car if your credit is sub-par.

If you live in Pennsylvania or New Jersey, though, you have an option that drivers in other states don’t: Citizens United Reciprocal Exchange, or CURE for short. Unlike most other auto insurance providers, CURE, which is a non-profit auto insurance provider, believes that using external factors to determine your premiums is a type of income discrimination. The company was founded in response to the insurance crisis of the 1980s, in which auto insurers were reluctant to write auto insurance due to low profitability and massive legislative constraints. At the time, New Jersey’s drivers were charged some of the highest premiums in the nation, and that trend has continued to this day.

CURE aims to change that trend, though, by providing auto insurance at a fair rate without using things like your credit score or marital status to determine your accident risk. They determine your rate mostly on the assessment of how well you drive rather than what’s in your bank account, and things like your homeowner status or education level aren’t factored into your CURE car insurance quote.

Let’s take a look at what types of coverage they offer and how to get it.

CURE car insurance options and discounts

CURE offers its customers three options for coverage: a basic, standard and special policy, which is a newer addition to their policies. Let’s take a look at what each option covers.

The Basic Car Insurance Policy generally costs significantly less than a Standard Policy, but provides limited benefits, according to CURE. It provides enough coverage to meet the minimum insurance requirements of New Jersey law. The Basic Policy could be an option for those with few assets to protect (including income from a job). The Basic Policy usually includes the following options: 

  • Property damage: $5,000 coverage limit
  • Personal Injury Protection: $15,000 coverage limit
  • Extended Medical Expense: $10,000 coverage limit
  • The limitation on lawsuit threshold
  • Bodily Injury Liability: up to $10,000 coverage available as an option

The Standard Car Insurance Policy provides more options for coverage and additional protection. Most New Jersey drivers choose the Standard Policy, according to CURE, and generally includes the following options, which customers can customize according to their specific needs. Coverage is available from:

  • Bodily injury liability: from $15,000 per person and $30,000 per accident to $25,000 per person and $500,000 per accident
  • Personal injury protection: from $15,000 per accident to  $250,000 or more
  • Physical damage coverage: from $5,000 per accident or to $100,000 or more 
  • Collision or comprehensive coverage: both options on standard insurance
  • Towing and labor coverage
  • Extended transportation coverage

The Special Policy, for those enrolled in Medicaid, provides limited auto insurance coverage. Drivers who meet the criteria can get a policy for as low as $365 a year.

Discounts

In addition to affordable insurance, CURE offers a number of discounts for drivers, including:

  • 3-Year good driver discount: A 35% discount given that everyone on the policy who has been driving for at least three years. This applies to new policies, too, provided that everyone on the policy is accident-free and hasn’t had any major or minor violations for a minimum of three years before the date of application.
  • 5-Year good driver discount: If your driving record has been squeaky clean for five years and you’ve been a customer of CURE for at least two years, you may qualify for a 40% discount.
  • Multivehicle collision discount: CURE offers customers a discount if they insure multiple cars under one vehicle policy rather than having a separate policy for each.
  • Parking discount: Offering a discount based on where you park your car isn’t the norm. CURE offers a 15% discount for off-street parking, which means you park in a driveway rather than on the street. They also offer up to a 50% discount if you park in a more secure spot than the driveway, like a garage, a 24/7 monitored facility with a guard, or a place that requires a security code to enter or exit.

CURE ratings, reviews, customer satisfaction and complaints

CURE may be a good option for drivers in New Jersey or Pennsylvania based on the potential for saving money on your premiums, but are they really all they’re cracked up to be? Let’s take a look at their ratings.

  • Better Business Bureau: The BBB rates CURE Auto Insurance an A based on their response to customer complaints, among other factors.
  • J.D. Power and Associates: Not rated by J.D. Power, likely due to the limited number of states CURE is offered in.
  • AM Best: Not rated by AM Best, likely due to the limited number of states coverage is offered in.

Who should consider CURE?

  • Drivers in New Jersey
  • Drivers in Pennsylvania
  • Customers with good driving records but poor credit
  • Customers who’ve been penalized for factors other than their driving record

Additional policies offered by CURE

CURE only offers auto insurance, so there isn’t the option to add things like homeowners or renters insurance to your policy.

Frequently asked questions

What is CURE’s average cost of insurance premiums?

The cost of each policy will vary based on a number of factors, but will primarily be based on your driving record. CURE may be able to save the average driver up to 50 percent on their premiums. You can get an individualized quote by visiting the CURE Auto Insurance website and entering your information.

You will need to provide information like your driver’s license number, ZIP code, age and cost of your current auto insurance premiums (if you have insurance) to get a quote, all of which can be done online.

How do I file a claim with CURE?

To file a claim with CURE, call 1-800-229-9151, available 24 hours a day, 7 days a week. There is no option to file claims online. Once the claim is filed, customers can check the status of their claim by logging into their account. Customers can also check the progress of their vehicle repairs by logging into their account.