CURE Car Insurance Review & Ratings (2024)

What You Should Know About CURE Auto Insurance

CURE Auto Insurance Coverage Options

Embarking on the journey of understanding auto insurance involves unraveling the intricacies of various coverage options. Here are the following coverage options by CURE Car Insurance:

• Liability Insurance: This coverage helps pay for bodily injury and property damage that you may cause to others in an accident for which you are at fault.
• Collision Coverage: This coverage helps pay for the cost of repairing or replacing your vehicle if it is damaged in a covered accident.
• Comprehensive Coverage: This coverage helps pay for damage to your vehicle that is not caused by a collision, such as theft, vandalism, or natural disasters.
• Personal Injury Protection (PIP): Also known as “no-fault” insurance, PIP covers medical expenses and, in some cases, lost wages and other damages, regardless of who is at fault in an accident.
• Uninsured/Underinsured Motorist Coverage: This coverage protects you if you are in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.

In the world of auto insurance, the layers of protection are as diverse as the situations they aim to address. From shielding against liabilities to ensuring your vehicle’s resilience in the face of unexpected events, each coverage type plays a vital role. As you navigate the landscape of insurance choices, consider the unique blend of coverages that align with your needs.

CURE Auto Insurance Rates Breakdown

Unfortunately, CURE car insurance rates are not publicly available.

However, if you request a CURE quote, you can compare it to the national average and the average rates in the state where you live.

The national average cost of car insurance in 2018 was $99.16 per month or $1,190 annually.

The table below shows the average annual car insurance expenditures in the three states where CURE operates, according to data from the Insurance Information Institute (III).

Read more: Pennsylvania Car Insurance Discounts

Keep in mind that many different variables impact your insurance rates, including your ZIP code, age, driving record, and even the type of car you drive.

Plus, CURE underwriters specifically consider your driving record more so than other potential cost factors.

So to truly discover the best company for you, compare quotes online from multiple insurance companies.

CURE Auto Insurance Discounts Available

At this time, CURE does not advertise what car insurance discounts are available to customers. However, customer reviews report that the company does offer stackable discounts in each state where it operates.

Some standard car insurance discounts you may earn from CURE include good driver, parking, multi-car, and garaging discounts. To reward policyholders for minimizing the risk of theft or damage to their vehicles, many insurance companies provide an off-street parking car insurance discount for those who have access to secure parking facilities.

Because car insurance laws vary depending on where you live, you should expect the best car insurance discount options and savings amounts to vary by state.

Streamlined Claims Process With CURE Car Insurance – Hassle-Free and Efficient

Ease of Filing a Claim

CURE Car Insurance offers a straightforward process for filing a claim. While there is no mobile app available, policyholders can file a claim over the phone by contacting the 24-hour claims department. The claims department is accessible seven days a week, ensuring convenience for customers.

Average Claim Processing Time

Customers have reported varying experiences with claim processing times, with some mentioning that the CURE claims process can be slower than average. Upon filing a claim, a CURE claims adjuster is assigned and usually contacts the claimant within 24 business hours. An appraiser follows up within 24 to 48 business hours to assess the damage to the vehicle and initiate necessary steps.

Customer Feedback on Claim Resolutions and Payouts

Feedback regarding CURE’s claim resolutions and payouts is mixed. Some customers praise the company for providing affordable rates and positive interactions with staff. However, there have been complaints about the claims process being slow. Overall, CURE seems to be an ideal choice for individuals with clean driving records and those seeking rates unaffected by factors like credit scores or occupation.

Experience Innovation With CURE Car Insurance – Exploring Digital Advancements

Mobile App Features and Functionality

CURE Car Insurance does not currently offer a dedicated mobile app for customers. However, they provide a customer portal on their website, allowing policyholders to access and manage their accounts online. The absence of a mobile app might be a drawback for those who prefer managing their insurance needs on the go.

Online Account Management Capabilities

CURE Car Insurance offers an online customer portal that provides a range of account management capabilities. Policyholders can view policy documents, make changes to their accounts, pay bills, and more through the portal. The online account management system offers a convenient way for customers to stay updated and make necessary modifications to their policies.

Digital Tools and Resources

While there is no specific mention of digital tools or resources, CURE Car Insurance offers an online platform where policyholders can access their policies, make payments, and view important documents. This online presence provides a foundation for potential future enhancements and additional digital tools to enhance the overall customer experience.

How CURE Auto Insurance Ranks Among Providers

CURE Car Insurance, a non-profit auto insurance company, is dedicated to offering affordable coverage to responsible drivers, primarily operating in New Jersey and Pennsylvania. As consumers explore their options in the car insurance market, it’s essential to consider the competitive landscape. Here are some key competitors to CURE Car Insurance:

• Geico: Geico, one of the largest auto insurance providers in the U.S., competes with CURE through its extensive coverage options, nationwide presence, and competitive rates. Geico’s digital approach and diverse discounts make it a strong contender.
• Progressive: Progressive stands out with its innovative Snapshot program, offering personalized rates based on driving behavior. Their wide range of coverage options, including usage-based insurance, appeals to customers looking for flexibility and customization.
• State Farm: State Farm, a leading insurer, competes with CURE by providing a broad spectrum of insurance products. State Farm’s agent-driven model and extensive network appeal to customers seeking personalized service and a variety of coverage options.
• Allstate: Allstate is known for its comprehensive coverage and features like Accident Forgiveness. It competes with CURE by offering various discounts, personalized coverage options, and strong customer service.
• Esurance: backed by Allstate, operates entirely online and appeals to tech-savvy customers. With a user-friendly interface, competitive rates, and digital-first approach, Esurance competes with CURE in the digital insurance space.

As consumers navigate the complex landscape of car insurance, understanding the offerings and strengths of competitors is crucial. Geico, Progressive, State Farm, Allstate, and Esurance are formidable alternatives to CURE Car Insurance, each bringing its unique features and strengths to cater to diverse customer needs.

What are the CURE financial rankings and customer reviews?

Understanding an insurance company’s financial rankings and customer reviews helps you determine if the company is genuinely reliable before committing to an actual policy.

Unfortunately, CURE Insurance is not rated by A.M. Best or any other leading credit rating agency. However, it is registered as an admitted carrier in New Jersey.

Plus, CURE earned an A+ rating from the Better Business Bureau (BBB), despite not being accredited. This implies that the company interacts well with its customers.

Similarly, CURE earned a complaint index ratio of 1.19, according to the National Association of Insurance Commissioners (NAIC).

The complaint index median is always set to 1.00, and lower scores are better. So a 1.19 implies that while this company receives slightly more complaints than the median, it is not a cause for concern.

Online customer reviews for CURE tend to speak positively of the company’s affordable rates and kind staff.

But some customers complain about the slow claims process.

Overall, this company is ideal for people with clean driving records. It’s an especially good choice if you’ve experienced rate hikes from other companies due to poor credit, your education level, or your occupation.