CURE insurance review 2023
The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .
At a glance
About Bankrate Score
Policyholders with lower credit scores may consider CURE as their company of choice, since CURE does not factor credit score, occupation or education level as insurance rating factors.
Does not use credit, occupation or education level as rating factors
Offers a few discounts
Only available in three states
No third-party ratings
CURE car insurance
CURE car insurance offers standard car insurance options including bodily injury liability, property damage liability, comprehensive, collision and personal injury protection (PIP). The company offers a couple optional endorsements, including roadside assistance and extended transportation coverage. However, CURE policies are generally more basic than most competitors.
CURE car insurance is only available in New Jersey, Pennsylvania and Michigan.
Pros and cons of CURE car insurance
While researching CURE, you may find it helpful to note some pros and cons to aid in your decision. We’ve compiled some pros and cons of CURE auto insurance to consider.
Credit is not used to rate policies
Does not use occupation or education level as rating factors
Offers roadside assistance
Only offers auto insurance
Limited discounts and coverage options
Only available in three states
CURE car insurance cost
Auto insurance premiums are based on individual rating factors such as the make and model of your vehicle, your driving record, claims history and the amount of coverage you purchase, so the actual cost of your policy will differ for every driver. CURE’s policies may be appealing to drivers with poor credit scores, as CURE does not use credit as a rating factor, which could aid in the overall cost of a policy.
CURE car insurance discounts
Although CURE car insurance is a back-to-basics provider, the company does offer a few competitive discounts. You may want to check with an insurance provider to ensure that each of these discounts is available in your state and double check that you’re eligible.According to CURE’s online quote system, if all the drivers on your policy have been driving for at least three years, you may qualify for up to a 35 percent discount. This could apply to new policies, too, provided that everyone on the policy has a clean driving record for a minimum of three years before the date of application.CURE offers customers a discount if they insure multiple cars under one vehicle policy rather than having a separate policy for each.CURE offers up to a discount for off-street parking, which means you park in a driveway rather than on the street. The company also offers a discount if you park in a more secure spot than a driveway, like a garage, a 24/7 monitored facility with a guard or a parking area that requires a security code to enter or exit.CURE offers a discount to qualifying students who maintain high grades. Contact an insurance agent to learn more.
CURE car tools and benefits
CURE does not list any other vehicle-related services other than car insurance and car insurance endorsements on its website.
CURE customer satisfaction
Many insurance companies receive third-party ratings or scores, which can help when determining how well they perform in certain areas. Some trustworthy sources of these ratings include J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
J.D. Power ratings are designed to show the level of claims satisfaction and overall customer satisfaction certain companies generate. AM Best provides financial strength ratings, which represent the historical ability of a company to meet their financial obligations. The NAIC generates a complaint index score that reports how many complaints have been filed against a company with the NAIC, and helps consumers see whether customers are generally satisfied with insurance companies. A score of 1 is used as the baseline — or average — where a score less than one indicates fewer complaints tha average, and a score more than one indicates more complaints than average.
CURE auto claims
CURE is not rated in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study and does not have an AM Best rating. The company does have a higher-than-average complaint score, with an overall NAIC complaint score of 1.31.
How to file a claim with CURE
CURE asks customers to file claims over the phone. If you need to file a claim, start with the following steps.
- Call 800-229-9151.
- Provide the location, date, time, and description of the accident.
- Report the name of the driver if a driver was involved in the accident.
- CURE may ask for details including contact information of involved drivers, vehicle locations and police report details.
- Wait one to two business days to hear from your claims representative.
CURE car insurance is available in:
- New Jersey
Other CURE perks worth considering
CURE auto insurance does not offer any financial products other than auto insurance. The carrier doesn’t offer a mobile app either, which may be a let down for tech-savvy shoppers. However, the company does offer a referral program, which allows policyholders to earn rewards for bringing friends and family to CURE.
CURE corporate sustainability
CURE doesn’t advertise any charitable causes on its website, but the company states that it is dedicated to: standing up for common sense and being the voice for drivers who have been discriminated against for factors like education, occupation and credit score.
Not sure if CURE is right for you?
If you’re still unsure whether CURE is the right company for you, it may be helpful to compare it to a few different carriers.
CURE vs. State Farm
Over the years, State Farm has won Bankrate Awards for auto, home and life insurance thanks to the company’s highly rated customer service, accessible agents, easy to use policy tools and competitive premiums. If you’re looking for a nationally known, reliable provider, you may want to consider State Farm.
Learn more: State Farm Insurance review
CURE vs. Lemonade
If you’re looking for a company with a mobile app and an easy to use online platform, you may want to look into Lemonade, an all-digital insurance provider. Lemonade is also available in more states than CURE, and is working to expand its coverage across the U.S.
Learn more: Lemonade Insurance review
CURE vs. USAA
USAA offers insurance exclusively to U.S. military members, veterans, and qualifying family members. If you’re looking for a low-cost company tailored to military needs, you may want to consider USAA.
Learn more: USAA Insurance review
Is CURE a good insurance company?
Bankrate’s CURE insurance review determined that it may be a good insurance company for those looking for a company that doesn’t factor in credit scores, occupation, or education level when calculating insurance premiums. However, the company only offers auto insurance, so you may want to look elsewhere if you’re looking for a company that offers additional product lines. CURE offers basic auto insurance options with several discounts. If you believe in the company’s mission of reducing discrimination in auto insurance, you may also want to consider CURE.46years of industry expertise122carriers reviewed20.7KZIP codes examined1.2Mquotes analyzedOn This Page