Choosing the right auto insurance company is important to protect your car, your money, and your peace of mind. Cure Auto Insurance is known for its unique approach to pricing premiums, which is based on your driving record rather than your credit score. This makes it a good option for someone with good driving records but poor credit. But before you make a decision, it’s important to check out their coverage, pricing, customer service, and overall reliability.
Why Do You Need Cure Auto Insurance?
Cure Auto Insurance is a regional company that operates in states like Michigan, New Jersey, and Pennsylvania. Cure doesn’t use credit scores to calculate prices like many other insurance companies do. Instead, they look at the driver’s past. This approach is designed to provide fairer prices to people with good credit but poor driving records. Cure has been around since the 1990s and is intended as an option for drivers who want simple insurance without having to pay extra for a credit check.
Insurance Options
Cure Auto Insurance offers basic coverages such as liability, collision, comprehensive, personal injury protection (PIP), and safety coverage for uninsured or underinsured drivers. These options provide drivers with the basic safety they need and meet state standards. They also offer additional protection against a variety of risks. On the other hand, the company does not offer all the extras that larger insurance companies do, such as driver assistance, rental car reimbursement, or GAP insurance. Drivers who want to make more changes to their insurance may want to consider other insurers.
Pricing and Offers
Cure Auto Insurance’s pricing plans do not take credit scores into account, which is one of its best features. For drivers with a good driving record but poor credit, this could potentially lead to lower insurance premiums. Prices vary depending on factors such as your driving record, where you live, and the type of car you drive. Many insurance companies offer benefits such as group plans or helping students get good grades, but Cure’s main reward is safe driving. People who normally save money through deals may not find many opportunities to save money.
How to Handle Customer Service and Claims
Cure Auto Insurance’s customer service is different for every customer. Some drivers liked that the pricing was clear, but others had issues with the responsiveness of the customer service and the way claims were handled. Typically, a claim is filed by telling someone what happened, having an agent look into it, and settling the claim. Some customers reported that their claims were processed quickly and easily, while others reported having to wait for processing to begin or having difficulty getting in touch with an agent. People who value good customer service may want to see what others in their area are saying about Cure before they buy insurance.
Pros and Cons
Cure Auto Insurance is designed for drivers who want their insurance premium to be based on their driving record rather than their credit score. The company offers low rates for safe drivers and makes it easier to buy insurance by focusing on the coverage options that matter most. However, it is only available in a few states and does not offer the same benefits and extra services as the big insurance companies. The customer service experience was not always great. For example, some clients had to wait a long time for their case to be processed and communication was difficult.
Who should consider Cure Auto Insurance?
Cure Auto Insurance is a good choice for people with good credit who want a fair price regardless of their credit history. If you live in New Jersey, Pennsylvania or Michigan and only want basic coverage without too many extras, this is an option worth considering. However, people who need more insurance options, rely on multiple transactions or value fast customer service may find that other plans better meet their needs.
Finally
Cure Car Insurance takes a different approach to auto insurance. We offer drivers fair rates based on their driving record rather than their credit score. As a result, it is a good option for people who drive safely but may have credit issues due to financial hardship. Because this coverage is uncommon, there are not many ways to save money and d
