Tri-State Auto Insurance Review (2024)

Tri-State Consumer Direct (TSC) started as an auto insurance company but later expanded its products to include homeowners insurance. If you’re in New York, Tri-State is one of the local auto insurance companies available to you. But are they a trusted source for insurance services?

Choosing the best auto insurance company is a lot of work. That’s why we’ve done the research for you. Everything you need to know about Tri-State Consumer Direct auto insurance is right here in our Tri-State auto insurance review.

We’ll cover the company’s reputation, how to get quotes, the Tri-State Insurance phone number, and even Tri-State auto insurance company claims so you can decide if it’s a good fit for your insurance needs. Finding the best auto insurance company doesn’t have to be hard. Just enter your ZIP code in the free comparison tool above.

What You Should Know About Tri-State Insurance Company (MN)

Smaller car insurance companies can fly under the financial and credit rating radar, but Tri-State (also referred to as Tri-State Direct) managed to get a few grades among the top financial and credit rating agencies. Let’s see how they did by checking out the TSC Direct Insurance reviews below.

We’ll start with a summary of Tri-State’s ratings and Tri-State Consumer Insurance reviews among the most prominent financial and credit rating agencies. See the ratings in the data table below.

Financial & Credit Rating of Tri-State Consumer Auto Insurance

Tri-State Consumer Insurance has limited ratings across the web. Two of the top rating agencies, A.M. Best and the Better Business Bureau, rate the car insurance company as strongly reliable in its obligations to policyholders.

We did research on TSC Direct insurance complaints; the NAIC reported that Tri-State Consumer Insurance had a complaint index of zero. It could be that TSC is very good at keeping customers satisfied, or it could be that it just doesn’t have enough complaints that conform to NAIC standards.

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What Is The Tri-State Auto Insurance Company History?

Tri-State Consumer Insurance was founded as an auto insurance company in 1982. This New York-based company does not sell insurance anywhere outside of the state of New York.

Its motto is, “For New Yorkers, by New Yorkers.”

TSC has made great strides in providing New York residents with auto and home insurance. The company doesn’t list any major highlights on its website, other than its good A.M. Best rating.

How is Tri-State’s online presence?

The company does have a website with several pages for visitors to explore. Potential customers who want auto insurance from Tri-State Consumer Insurance will have to contact the company’s agents through its website or toll-free phone service.

Visitors to the website can get a quote, pay their TSC payment online, sign applications, file claims, contact TSC representatives, and read blog posts under the resources section.

Does Tri-State have commercials?

Tri-State Consumer Insurance has a few commercials. The first is a general, local commercial that advertises how the company cares about its customers.

With a smaller company, claims may be seen more attentively due to the smaller number of policyholders. TSC is proud of its commitment to good customer service.

In another commercial, the company advertises how to winterize your car during New York’s cold winter months.

Like the commercial before, this video presents minimal information and a general view of what sorts of vehicles the company can insure.

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Is Tri-State involved in the community?

If there is any involvement in the community, TSC has not made it known to the public. However, it may have some involvement in community development without necessarily having any specific programs for this purpose. Should the company experience higher than average growth over several years, it may expand its philanthropy.

What do Tri-State employees have to say?

Tri-State Consumer’s LinkedIn page reports that 11 to 50 employees work at the company. According to Tri-State, the company does not use independent agents because doing so would increase the cost of its products. Thus any agents you speak to regarding Tri-State Consumer coverage will be employees that work directly for the company.

Currently, Tri-State does not have any job listings on its website. There is also no information provided about the benefits offered to employees.

Tri-State’s information on employees and employee response is limited. If you’re interested in working for the company, make contact on the website or by calling the Tri-State Insurance company phone number.

How Is The Design of Tri-State Auto Insurance Website/App?

The design of the website is responsive. This means that it can easily be viewed on a phone, a computer screen, a tablet, or any device that has a web browser. The TSC website is easy to navigate; however, some functions are limited to users with a policy number or login.

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What is Tri-State’s availability by state?

Tri-State Consumer Insurance is only available in New York and only has one location:

575 Jericho Turnpike, Jericho, NY 11753

You can reach a company representative by telephone at:

Toll-Free: 1-800-JOIN-NOW (1-800-564-6669)
Phone: 1-516-681-9400
Phone: 1-718-895-0036

Calling the Tri-State Consumer Insurance company phone number is the best way to get in touch with an agent.

Tri-State Insurance Company (MN) Insurance Coverage Options

TSC doesn’t talk much about what it offers, but liability coverage is definitely available because all auto insurance companies, including Tri-State, must carry the New York auto insurance minimum requirements.

If a policyholder needs collision and/or comprehensive, they’ll have to ask an agent if these are available. But what about bundling options, discounts, and other programs? We’ll go over all that information next.

What can Tri-State Consumer Insurance offer you as a potential customer? Continue through the guide to find out more.

What are Tri-State’s bundling options?

Auto insurance policyholders who own a home can also enroll in a Tri-State Consumer home insurance policy. This is particularly convenient for New York residents who want to consolidate their auto and home insurance rates into one bill.

In addition to auto and home bundling, TSC allows policyholders to have multiple vehicles on a single policy, which could mean auto insurance discounts.

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Tri-State Insurance Company (MN) Insurance Rates Breakdown

The downside to smaller auto insurance companies is that their coverage rates usually aren’t readily available online.

We can still get a reasonably accurate estimate by looking at New York’s average auto insurance rates. The table below shows the average coverage rates reported by the National Association of Insurance Commissioners (NAIC).

Average Annual Auto Insurance Rates by Coverage Type in New York

These rates are not rates to buy Tri-State Consumer auto insurance, but they are average rates based on auto insurance coverage in New York State. For the Tri-State Insurance company phone number, read on.

Tri-State Insurance Company (MN) Discounts Available

TSC offers several other discounts for policyholders to make Tri-State auto insurance affordable on top of the already competitive rates. We’ve summarized them in a data table for your convenience.

Tri-State Consumer Auto Insurance Discounts

You can earn a discount on your car insurance by completing a state-approved defensive driving and accident prevention course. Drivers under 21 years old who complete state-approved driver’s training courses are eligible for a discount.

In addition to driver’s training courses, TSC auto insurance will give discounts to students who perform well in academics as part of its Good Student Discount program (the student must maintain a 3.0 or above).

Do auto insurance companies check your driving record? Yes, they do, without exception.

Like most auto insurance companies, TSC rewards policyholders who have a clean driving record with a discount.

Combined with other discounts, auto insurance rates could be significantly reduced.

Earlier we mentioned how policyholders can include more than one vehicle in their policy. TSC will also give you a discount for having multiple vehicles insured with them.

Also, owning a newer vehicle or used vehicle with safety features such as anti-lock brakes, a recovery system, and a security system will entitle policyholders to discounts. These preventative measures reduce your chances of having an accident or having your car targeted by thieves, which means your insurer is less likely to have to pay out an expensive claim.

VIN Etching is another way to get a discount with TSC.

VIN etching is when a vehicle identification number (VIN) is engraved into the vehicle’s windshield and windows. Most vehicles have VIN etching. This practice helps law enforcement to locate your vehicle if it’s stolen, which can ultimately save you and your insurer some money.

Finally, policyholders can save money through senior citizen discounts, military discounts, and loyalty discounts. Loyalty discounts are given by insurance companies to customers as a reward for renewing their policy.

What programs are available from Tri-State?

What’s interesting about Tri-State is that the company promotes the fact that it’s been in business for more than 20 years. However, in the world of insurance, this is a young company.

A major benefit of choosing this company if you’re a good driver is that it only sells one-year policies. The perk here is that if you have an accident while your policy is in force, your rates will not increase until your policy expires.

It’s worth noting, though, that Tri-State doesn’t accept high-risk drivers, so if you’ve had a recent accident, it’s unlikely you’d be offered a policy by the company in the first place.

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How Easy Is Canceling Your Tri-State Auto Insurance Policy?

Auto insurance companies will do everything they can to keep their policyholders. If you get in touch with your insurer to tell them you wish to cancel, the representative you speak to will likely try to sway you to stay by informing you of any discounts you may be eligible for.

Next, the insurer will ask if you have a new policy already in place because in most states it’s illegal to drive without insurance.

Do you still feel like canceling car insurance with Tri-State Consumer Insurance? Let’s take a look at the process.

Is there a cancellation fee with Tri-State?

TSC doesn’t give a lot of information on its website about how to cancel your auto insurance policy, but based on how other companies operate, there’s a good chance you’ll have to pay something when you cancel.

If you’re not canceling at the end of a policy’s term limit, you may be required to pay for the insurance you’ve already used and/or to make payments for the length of the contract you signed with TSC.

Is there a refund from Tri-State?

On the other side of things, you may be entitled to a refund for insurance you didn’t use. You can look for refund information in the terms and conditions of your policy, or ask a TSC representative about this.

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How do you cancel a Tri-State policy?

Since TSC doesn’t list any specific steps on how to cancel, we advise policyholders to contact its offices in Jericho, NY, at 1-516-681-9400 or 1-718-895-0036.

Be sure you have your policy number close by.

Ask for an agent and tell them that you want to cancel your policy. If you have an online account, you may be able to cancel through the company’s website.

We’d like to walk you through it, but TSC has limited this particular part of the site to policyholders.

When can I cancel my Tri-State policy?

Ideally, an auto insurance company would prefer you to cancel when your policy is about to run out, but policyholders generally can cancel whenever they want to.

There may be some penalties or fees involved if you allow your auto insurance to lapse. So, it’s not a good idea to allow your auto insurance to cancel due to nonpayment.

The state of New York has statues that cover certain aspects of the industry, but you can get the information you need when you speak to a Tri-State insurance agent about the appropriate time to cancel. Contacting the Tri-State insurance agency is a great way to get all your questions answered.

In the next section, we offer information on how to make a claim with Tri-State and provide the Tri-State Insurance claims phone number.

How Do You Make a Tri-State Auto Insurance Claim?

How can you file a claim with an auto insurance company in New York? You can file a claim with Tri-State one of two ways: you can call the company and report your claim, or you can download the appropriate forms, fill them out, and fax or email them back.

To file an auto insurance claim you need to provide the following information:

• Policy number
• Date of occurrence
• Time of occurrence
• Type of loss
• Location of loss
• Injuries related to the incident
• Names and contact information of others involved
• Type of damage sustained
• Police contact information

Tri-State does request that you report your claim as quickly as possible so an agent can start working on it, even if you don’t have all of the above information available. There is no indication as to the claim center’s hours of operation on the website.

According to Tri-State, most of its claims are paid within three days of being filed.

If you want to make a claim by phone, contact TSC at its toll-free service line at 1-800-JOIN-NOW (1-800-564-6669), or call one of its New York offices at 1-516-681-9400 or 1-718-895-0036.

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How Do You Get a Tri-State Auto Insurance Quote Online?

Tri-State does offer a quote tool option on its website. However, Tri-State Consumer Insurance is one of the companies that will call you continuously to see why you haven’t followed up on a quote you received from them.

Tri-State is very strict about who it accepts. You’ll be asked many questions about your driving habits. Because TSC insures New York City residents, you may also be asked where you park your car if you drive somewhere to ride the subway to work.

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