The Citizens United Reciprocal Exchange (CURE) Auto Insurance is a regional auto insurance company based in Princeton, New Jersey. The company was founded by James J. Lynch in 1990 with the sole aim of providing affordable and reliable car insurance to residents of New Jersey and Pennsylvania. The company has since grown to become one of the largest providers of car insurance in both states, offering coverage to over 500,000 drivers.
Initially, CURE was set up as a non-profit organization, with the aim of providing affordable car insurance to drivers who had been denied coverage by other insurance companies but now, Cure Auto Insurance operates as a mutual company, which means that policyholders are also owners of the company. This allows the company to focus on the needs of its customers rather than shareholders, and to provide personalized service and competitive rates.
Key Features of Cure Auto Insurance
- Cure Auto Insurance is committed to providing affordable coverage to all drivers, regardless of their driving history or credit score. The company uses a unique rating system that takes into account factors such as driving record, vehicle type, and location, rather than relying solely on credit scores to determine rates. This approach allows the company to offer lower rates to drivers who may be considered high-risk by other insurers.
- Cure Auto Insurance also offers a range of discounts to its policyholders. These include safe driver discounts, good student discounts, and multi-car discounts.
- The company also offers a rewards program called CureRewards, which allows policyholders to earn points for safe driving and redeem them for discounts on their premiums.
- Cure Auto Insurance is also very committed to providing stellar customer service. The company has a 24/7 customer service hotline that policyholders can call for assistance with claims or other issues. They also offer a mobile app that allows policyholders to manage their policies, file claims, and make payments from their smartphones or tablets. In 2020, the company was named the Best Auto Insurance Company in New Jersey by Investopedia, and it has also been recognized by J.D. Power for its high levels of customer satisfaction
Coverage Options Available with Cure Auto Insurance
Cure Auto Insurance offers a variety of coverage options to its policyholders. These include:
- Liability coverage: Liability coverage is the most basic type of auto insurance and is required by the law in most states. It pays for damages that you may cause to other people or their property while driving your car. It does not cover damage to your own car.
- Collision coverage: This type of insurance pays for damages to your car if you are involved in an accident, regardless of who is at fault.
- Comprehensive coverage: This type of insurance pays for damages to your car that is not caused by an accident, such as theft, vandalism, or weather-related damage.
- Personal injury protection (PIP): This type of insurance pays for medical expenses and lost wages if you are injured in a car accident, regardless of who is at fault.
- Uninsured/underinsured motorist coverage: This type of insurance pays for damages if you are involved in an accident with a driver who does not have enough insurance to cover the costs of the accident.
- Roadside assistance: This type of coverage provides assistance if you have a breakdown or other roadside emergency while driving your car.
Locations where Cure Auto Insurance is Available
Cure Auto Insurance is currently available in only two states: New Jersey and Pennsylvania.
In New Jersey, Cure Auto Insurance has offices located in Princeton, Mount Laurel, and Lawrenceville. In Pennsylvania, Cure Auto Insurance has offices in Philadelphia and Jenkintown.
However, even if you are not located near one of Cure Auto Insurance’s physical offices, you can still purchase a policy online or over the phone. The company’s website allows you to get a quote and purchase a policy entirely online, and its customer service team is available 24/7 to answer any questions or help you with the process.
Finally, in addition to car insurance, Cure Auto Insurance also offers coverage for motorcycles, boats, and personal watercraft. The company also offers a range of other insurance products, including home insurance, renters insurance, and life insurance, making it a one-stop shop for all of your insurance needs.