CURE is different from most insurance companies in many ways. First, CURE functions in a not-for-profit manner, so there is an obligation to keep any unused premiums (or "profits") in the Exchange and to use them solely for the benefit of its members – not as profits to stockholders.
CURE cares more about how you drive, so we refuse to adopt discriminatory rating factors that most other insurers use. These factors can increase your rates as much as 50% and have nothing to do with your driving record. These rating factors include:
Education – many of the leading insurance companies determine your rate based on your education level. If you do not have a 4-year college degree, your rates will increase. CURE does not use education as a factor in determining rates.
Occupation – many national companies determine your rates based on your job. And some companies – such as GEICO – provide their least favorable rates to those they categorize as "blue and grey collar workers." CURE does not use occupation as a factor in determining rates.
Home Ownership – many insurance providers determine your rates on whether or not you own a home and will charge higher rates to those who do not. CURE does not use home ownership as a factor in determining rates.
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