CURE Auto Insurance Review – Is CURE Auto Insurance Good?

Last Updated on June 10, 2020

If you live in New Jersey or Pennsylvania and are looking for car insurance, you may be considering CURE as a possible option. CURE is an auto insurance agency that specializes in providing policies to those with excellent driving histories, regardless of their financial status or other demographic information. With so many different insurance companies on the market, it can be difficult to determine which one will be the best fit for your needs. Here’s what you need to know about CURE before you purchase your policy.

About CURE Auto Insurance

Citizens United Reciprocal Exchange (CURE) is an auto insurance company based in the Princeton, New Jersey area. They offer car insurance policies in New Jersey as well as in Pennsylvania. CURE is very unique in the way they approach their car insurance policies. Most other insurers will consider a variety of different factors when determining your overall premium cost, including the type of car you drive, your credit score, and even seemingly unrelated factors like whether or not you own a home, or whether you are married. When CURE determines the cost of your car insurance, they only look at your driving record, without considering any other factors. CURE has a unique not-for-profit model that is designed to benefit the consumer by providing affordable pricing.

What Types of Car Insurance Does CURE Offer?

One of the areas where CURE doesn’t perform as well is its policy options. While they offer the basic coverage types you need to stay safe and meet legal requirements, they don’t offer many ways to customize your policy. They have a basic car insurance package, which provides the required liability coverage as well as coverage for property damage, personal injury protection, and medical payments. These types of coverage are designed to cover any expenses you are found liable for if you are at fault in an accident. They will also cover the cost of you or your passengers’ medical expenses if you are injured in an accident.

CURE does allow you to customize the levels of coverage you have to a certain degree, so you can pay more for increased financial coverage. CURE also allows you to add comprehensive and collision coverage for further protection. Collision coverage pays for damage to your car as the result of any collision, whether that be with another vehicle or a single-car collision. Comprehensive coverage pays for damages that happen as a result of severe weather, vandalism, or any other damage that is not the result of a collision.

Additionally, CURE offers towing coverage as well as a full roadside assistance program. Their roadside assistance is available 24/7 in New Jersey and Pennsylvania. Their roadside assistance program offers a number of different services, including towing to the nearest repair center, tire changes, fuel delivery, locksmith services, and battery jumps.

What Types of Discounts Does CURE Offer?

CURE offers a few different types of discounts for its customers. When shopping for any kind of car insurance, you should make sure to ask about discounts to make sure you’re getting the best deal possible. One of the biggest discounts that CURE offers is its good driver discount. You can save as much as 35% by having an excellent driving record, and that discount can increase over time if you keep a clean record and remain a CURE customer. You can also get discounts on your comprehensive and collision coverage if you do not park your car on the street, with an even bigger discount for keeping your car parked in a secure garage. You can also earn a discount for insuring multiple vehicles on one policy.

Here is an overview of the discounts offered by CURE:

Discount TypeDiscount Amount
3-Year good driver discount35% off
5-Year good driver discount40% off
Multi-vehicle discount15% off collision coverage
Parking discount15% if you park off-street
50% if you park in a garage
Loyalty discount40% off (if you are a good driver and have been CURE policyholder for 2+ years)

What Is CURE’s Pricing Like?

CURE offers generally affordable car insurance coverage. While they aren’t always the cheapest, their rates are very comparable to larger national insurers. CURE’s rates are most affordable for young, single customers as well as older married couples. CURE is also great for drivers who have poor credit scores or low-income because they do not look at credit scores, education, or income when determining your rates.

CURE Customer Service

CURE has a relatively good complaint ratio, meaning that they get fewer than average complaints per policies written. However, they do receive some complaints about long processing times for their claims. They have an A rating from the Better Business Bureau. However, they are not rated by AM Best, which is an agency that rates insurance companies and other financial institutions on their financial security. This means we don’t have information about how financially secure CURE would be in the event of an economic downturn.

CURE makes it easy to manage various aspects of your policy online. You can get a quote online fairly quickly, and you can save quotes if you want to come back to them later. It’s also very easy to pay your insurance bill online. However, they do not have a phone app, and you cannot report a claim online. To file a claim, you need to call their customer service number, which is accessible 24/7. Some aspects of CURE’s claims are handled by a partner organization, which can slow down the processing time.

Here is an overview of CURE’s ratings from various insurer rating agencies:

AM BestN/A
Better Business Bureau (BBB)A
JD Power and AssociatesN/A
Credit Karma2/5
Complaint Ratio per Vehicle1 / 53,759 (Better than Average)

Advantages of CURE

The biggest advantage of using CURE for your car insurance is that they offer reasonably priced policies based entirely on your driving record. If you don’t have any accidents or infractions in your past, you can save money with CURE.

Disadvantages of CURE

The biggest disadvantage of CURE is that their policies are much more expensive for those who do not have clean driving records. They also are only available in New Jersey and Pennsylvania and don’t offer many options to customize.

If you live in New Jersey or Pennsylvania and have a good driving record, CURE may be the right option for you when it comes to your car insurance policy. They offer reasonable pricing and don’t discriminate based on other demographic factors. When shopping for car insurance, you should make sure to always get quotes from several different companies and compare your options. Since every company has their own process for determining premiums, insurance rates can vary widely. Shopping around is the best way to get good value for money.

CURE Company Info
Company Address214 Carnegie Center, Suite 301
Princeton, NJ 08540
Phone Number1(800)535-2873
Website URL
HoursMonday-Friday: 8:00 a.m. - 7:00 p.m.
Saturday: 9:30 a.m. - 4:00 p.m.
James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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