CURE — Citizens United Reciprocal Exchange — is one of the most unique auto insurers in America. As a non-profit reciprocal exchange, CURE was founded on the principle that your auto insurance rate should be based primarily on how you drive — not your credit score, level of education, occupation, or other socioeconomic factors.
Operating in New Jersey and Pennsylvania, CURE delivers genuinely affordable auto insurance to drivers who are often penalized unfairly by traditional rating factors. Prime Insurance Consultants proudly helps NJ and PA residents access CURE’s merit-based coverage.
CURE rates you on what you control: your driving record, mileage, and vehicle — not your job or credit score.
Get a CURE Quote Call 888 637 5507A genuinely fairer approach to auto insurance pricing in New Jersey and Pennsylvania
Most insurers use your credit score as a major pricing factor — CURE does not. A low credit score due to medical bills, divorce, or job loss won’t raise your premiums with CURE.
CURE doesn’t penalize blue-collar workers, people without college degrees, or those in certain occupations. Your job title has no bearing on your premium.
CURE focuses on what actually predicts accidents: your driving record, how many miles you drive, and the type of vehicle you drive. Safe drivers are genuinely rewarded.
As a reciprocal exchange non-profit, CURE’s goal is to serve policyholders — not shareholders. Profits are returned to members, keeping rates competitive year after year.
Comprehensive auto coverage meeting all New Jersey and Pennsylvania requirements
Bodily injury and property damage liability covering costs if you cause an accident. Required by law in NJ and PA.
PIP coverage pays medical expenses, lost wages, and essential services regardless of fault — required in NJ’s no-fault system.
Covers repair or replacement of your vehicle after an accident with another vehicle or object, regardless of fault.
Protection against non-collision events: theft, fire, flood, vandalism, falling objects, and animal strikes.
Protects you when you’re hit by a driver who has no insurance or not enough insurance to cover your damages.
24/7 emergency roadside assistance including towing, jump starts, flat tire service, and lockout assistance.
CURE serves drivers in NJ and PA with fair, merit-based auto insurance. If you live in either state, Prime Insurance Consultants can help you get a quote today.
Prime Insurance Consultants helps NJ and PA drivers understand and access CURE’s unique benefits, ensuring you’re not overpaying for coverage due to factors outside your control.
We compare CURE’s rates against other insurers so you see exactly how much you save with merit-based pricing.
Our consultants understand the specific insurance requirements and minimums in New Jersey and Pennsylvania.
We guide you through the entire CURE enrollment process, ensuring your policy is set up correctly from day one.