When it comes to auto insurance, Michigan has some of the highest rates in the country. But there is a new option for drivers that promises to offer affordable coverage without sacrificing quality. In this article, we will introduce you to Cure Auto Insurance of Michigan and explain what sets it apart from other insurance providers.
What is Cure Auto Insurance of Michigan?
Cure Auto Insurance of Michigan is a non-profit auto insurance provider that aims to offer affordable coverage to drivers in the state. The company was founded in 1990 and is based in Princeton, New Jersey. In 2019, Cure expanded its services to Michigan, becoming the first new auto insurance provider in the state in more than 25 years.
Unlike traditional insurance companies, Cure operates as a direct writer. This means that the company sells insurance policies directly to customers, without the need for agents or brokers. By cutting out the middleman, Cure is able to offer lower rates and better customer service.
What Makes Cure Auto Insurance of Michigan Different?
There are several things that set Cure Auto Insurance of Michigan apart from other insurance providers:
1. Non-profit Status
Cure Auto Insurance of Michigan is a non-profit organization. This means that the company is not focused on making a profit for shareholders, but rather on providing affordable coverage to its policyholders. As a non-profit, Cure is able to reinvest any profits back into the company to improve its services and keep rates low.
2. Personalized Rates
Cure Auto Insurance of Michigan uses individual driving records to determine rates, rather than relying on demographic data. This means that drivers who have clean records and safe driving habits can benefit from lower rates. Cure also offers a telematics program that allows drivers to earn discounts based on their driving behavior.
3. No Credit Scoring
Many insurance providers use credit scores as a factor in determining rates. But Cure Auto Insurance of Michigan does not use credit scoring at all. This means that drivers who have less-than-perfect credit can still get affordable coverage.
4. Excellent Customer Service
Cure Auto Insurance of Michigan prides itself on providing top-notch customer service. The company has a 24/7 claims service and a live online chat function for customers who need assistance. Cure also offers a satisfaction guarantee, which means that policyholders can cancel their policies within 90 days for a full refund if they are not satisfied with the service.
How Does Cure Auto Insurance of Michigan Work?
Getting a quote from Cure Auto Insurance of Michigan is easy. Drivers can visit the company’s website and enter their information to get a personalized quote in minutes. Cure offers a range of coverage options, including liability, collision, and comprehensive coverage.
Once a driver has signed up for a policy with Cure, they will receive proof of insurance and a membership card. Policyholders can manage their policies online, including making payments and filing claims.
Q: Is Cure Auto Insurance of Michigan available in all parts of the state?
A: Yes, Cure offers coverage throughout Michigan.
Q: How does Cure determine rates?
A: Cure uses individual driving records to determine rates.
Q: Does Cure offer discounts?
A: Yes, Cure offers discounts for safe driving and loyalty.
Q: How does Cure Auto Insurance of Michigan’s rates compare to other insurance providers?
A: Cure’s rates are generally lower than those of traditional insurance providers.
Q: What happens if I need to file a claim?
A: Cure has a 24/7 claims service and policyholders can file claims online or over the phone.
Cure Auto Insurance of Michigan offers a unique option for drivers in the state who are looking for affordable coverage. With its non-profit status, individualized rates, and excellent customer service, Cure is quickly becoming a popular choice for Michigan drivers. If you are interested in learning more about Cure Auto Insurance of Michigan, visit the company’s website for a personalized quote.