When shopping for car insurance, it’s only natural to wonder: Is Cure Auto Insurance Good? This question frequently arises among drivers, particularly those seeking affordable premiums or fair underwriting practices. Cure Auto Insurance, known for its unique approach that focuses more on driving records than credit scores, has caught the attention of many budget-conscious consumers. But is it truly the right choice for you?
Below, we break down seven key reasons why people often ask if Cure Auto Insurance is good, so you can better decide if this provider aligns with your needs.
1. Cure’s Non-Traditional Underwriting Model
One of the biggest reasons people wonder, “Is Cure Auto Insurance Good?”, is its unusual underwriting approach. Unlike many major insurers, Cure does not rely heavily on your credit score, education level, or job title.
Instead, Cure emphasizes your actual driving record and accident history when calculating premiums. For drivers with clean records but poor credit, this can lead to significant savings—but for others, it may mean higher costs than traditional insurers.
2. Competitive Pricing for Certain Drivers
Affordability is another big driver of the question: “Is Cure Auto Insurance Good?” If you’re someone with a strong driving record, Cure can be more budget-friendly than big names like GEICO or State Farm.
However, since Cure is selective and only serves drivers in New Jersey, Pennsylvania, and Michigan, this savings potential only benefits those who live in these areas and qualify under Cure’s criteria.
3. Limited Availability & Coverage Options
Many people also ask “Is Cure Auto Insurance Good?” because they’re concerned about Cure’s limited geographic footprint. Unlike national insurers, Cure only offers policies in three states.
Additionally, Cure focuses on standard liability and collision coverage without many of the bells and whistles like accident forgiveness, vanishing deductibles, or extensive roadside assistance. This simplicity is great for some, but others may feel underinsured.
4. Customer Service Experiences Are Mixed
When asking, “Is Cure Auto Insurance Good?”, customer service often comes up. Reviews are mixed: some customers praise the straightforward policies and billing, while others report delays or challenges during claims processing.
This is common across many insurers, but because Cure is smaller, it might lack the robust nationwide support network that larger competitors offer.
5. Appeals to Drivers With Imperfect Credit
For many, “Is Cure Auto Insurance Good?” is less about price and more about fairness. If you’ve been denied good rates elsewhere because of a low credit score, Cure’s model can feel like a breath of fresh air.
Their philosophy that your driving should speak louder than your credit report is a big draw—especially in today’s world where many struggle with student loans, medical debt, or financial hiccups.
6. Strong Commitment to Rating Equity
Another factor behind the question, “Is Cure Auto Insurance Good?”, is Cure’s commitment to reducing socioeconomic bias. They actively promote policies that aim to remove unfair discrimination from insurance pricing.
This resonates with drivers who value companies that champion ethical standards and seek to address historical inequities in the insurance industry.
7. Simple, No-Frills Policies
Finally, Cure offers straightforward policies. There aren’t a lot of confusing add-ons, loyalty perks, or marketing gimmicks. For some drivers, this transparency is exactly what they want—basic coverage that does its job without surprises.
However, if you’re someone who wants customized coverages, bundle discounts, or lots of policy enhancements, Cure may feel too minimalist.
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FAQs About Cure Auto Insurance
Is Cure Auto Insurance good for young drivers?
If you have a clean driving record, yes—it can be cost-effective. However, if you’re a young driver with accidents or tickets, rates may be higher due to Cure’s focus on driving history.
Does Cure Auto Insurance check credit?
No. This is one of the main reasons people choose Cure—they primarily assess your driving record and do not rely on credit scores, education, or occupation.
What states is Cure Auto Insurance available in?
As of now, Cure writes policies only in New Jersey, Pennsylvania, and Michigan.
Does Cure offer accident forgiveness?
No, Cure generally sticks to more traditional coverage options without many add-ons like accident forgiveness.
Is Cure Auto Insurance financially stable?
Cure is a smaller regional insurer with a stable history, but it does not have the same large-scale financial ratings you’d find with nationwide giants. Still, they maintain the reserves required to pay claims in their operating states.