New Jersey auto insurance may cost more if life factors don’t add up

For at least two decades, Cuqui Rivera of North Brunswick hadn’ t been in a car accident. When her policy came up for renewal, Rivera dropped Liberty Mutual and went to CURE auto insurance, which the company and activists say is the only one in New Jersey that doesn’ t factor those things into their rates. Her yearly bill for one car and the same coverage, she said, went from…