CURE Car Insurance review 2021

Consumers want solid, affordable auto insurance coverage. You may be surprised to find that car insurance will cost you more if you have poor credit. Low credit drivers tend to file more claims that drivers with better credit scores. Insurance companies will charge more for this higher risk.

There are many ways to get affordable car coverage if you have low credit scores. Citizens United Reciprocal Exchange auto insurance might be right for you if you are from New Jersey or Pennsylvania. CURE doesn’t consider your credit score, occupation, or education level when determining the price of insurance. Bankrate has reviewed CURE coverage options, discounts, and third-party rankings in order to give you an idea of whether the company is right for you.

CURE auto insurance

CURE offers three coverage options to its customers. You have the option to choose from a basic or standard policy quote when you get a CURE quote. Or you can select the custom quote option, which allows you to choose your coverages separately.


According to CURE, the basic policy quote is generally less expensive than a standard policy and offers fewer benefits. Drivers with very limited budgets might find the basic quote to be an attractive option. Drivers should know that they could be responsible for out-of-pocket costs if there is an at-fault accident. Customers can choose from the following coverage limits when they purchase a basic policy:

  • Property damage coverage limit: $5,000
  • Personal Injury Protection: $15,000 limit
  • Maximum coverage for extended medical expenses: $10,000
  • Limitation on the threshold for lawsuits
  • Bodily Injury Liability: Up to $10,000 coverage is available as an option

The personal injury protection limit (PIP) is $15,000 but you have the option to choose how much. Your premium will be lower if you have a higher PIP deductible. However, you will be responsible for paying more if there is a claim. The PIP coverage also covers emergency care for certain injuries up to $250,000.

Standard policy quotes, also known as the “quickquote” option, prefill certain coverage options and offer more options for coverage or additional protection. You can choose from a greater range of coverage options with the standard policy quote option.

  • Bodily injury liability and uninsured/underinsured motorist bodily injury coverage: from $15,000 per person and $30,000 per accident up to $250,000 per person and $500,000 per accident
  • Personal injury coverage: From $15,000 per accident to $250,000
  • Uninsured motorist property and physical damage coverage: From $5,000 per accident to $100,000 per accident
  • Comprehensive coverage or collision: Both options are available on standard insurance
  • Towing and labor coverage
  • Transport coverage extended

The quote also includes a $500 deductible for medical expenses and an extended $10,000 medical expense benefits coverage limit. There is also a limitation on the number of lawsuits.

You can personalize your policy with the custom quote option by selecting from the various coverage options CURE has to offer.

Get Discounts

CURE offers affordable insurance as well as a variety of discounts for drivers.

  • A 3-year discount for good drivers: You may be eligible for a 35% discount if all of the policy’s drivers have been driving for at most three years. This discount is also available for new policies provided the policyholders are accident-free and have not been convicted of any major or minor offenses in the minimum period of three years prior to the date of application.
  • 5-year discount for a good driver: If you have had a clean driving record for at least five years and have been a CURE customer for at least two consecutive years, you could qualify for a discount of up to 40%.
  • Multi-vehicle Discount: CURE offers discounts to customers who insure multiple vehicles under one policy, rather than having separate policies for each.
  • Parking Discount: CURE offers a 15% discount on off-street parking. This means that you park in a driveway and not on the street. You can also get a discount of up to 50% if you park in a secure area than your driveway. This could include a garage or other 24/7 monitored facility that has a guard or requires a security code for entry or exit.

Who should think about CURE?

  • New Jersey Drivers
  • Drivers in Pennsylvania
  • Customers with poor credit but good driving records
  • Customers who were penalized for reasons other than driving records

Questions frequently asked

How much does CURE charge for insurance premiums on average?

Each policy’s cost will be different depending on many factors. However, the most important factor will be your driving record. The average driver could save up to 50% on their premiums by using CURE. Visit the CURE Auto Insurance Website to get a personalized quote and enter your information. To request a quote over the phone, you can call CURE at 1-800-535-2873

To get a quote online, you will need information such as your driver’s license number and ZIP code.

How can I file a claim for CURE?

Call 1-800-229-9151 to file a claim with the CURE. A claim can be filed 24 hours a days, 7 days a semaine. Online claims cannot be filed. Customers can log into their account to check the status of their claim once it has been filed. Logging into your account will allow you to track the progress of vehicle repairs.