Founded in 1990 by former New Jersey Insurance Commissioner James J. Sheeran, CURE (Citizens United Reciprocal Exchange) was established to provide a fair alternative in the auto insurance market. As a not-for-profit reciprocal exchange, CURE is owned by its policyholders and is dedicated to offering rates based on driving history, avoiding discriminatory factors. The company operates on a direct-to-consumer model, aiming to provide stable, affordable insurance coverage for responsible drivers.