Tri-State Auto Insurance Review (2024)

What You Should Know About TSC Direct

Smaller car insurance companies can fly under the financial and credit rating radar, but Tri State Insurance in NY (also referred to as Tri-State Direct) managed to get a few grades among the top financial and credit rating agencies.

Keep reading our Tri State auto review to see how the company did.

TSC Direct Reviews: Customer Service and Financial Stability

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 Tri State auto insurance ratings in the data table below.

Of course, these are actually Stillwater Insurance reviews since the company now owns Tri-State.

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.

TSC Insurance Rates by Borough

Check out the table below to see how much you could pay for coverage from the Tri State Consumer Insurance Company:

As you can see, Tri State car insurance policyholders in the Bronx pay around $185 monthly for coverage, whereas drivers in Manhattan pay $200 on average. For the Tri-State Insurance company phone number, read on.

More About the Tri-State Auto Insurance Company

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.

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.

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.

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.

So, what is the Tri State auto insurance phone number?

To get in touch with Tri-State, you’ll need to call Stillwater Insurance Services, since they now own Tri-State. The Stillwater Insurance phone number is 855-712-4092 for policyholders who need to speak with Stillwater customer service. On the other hand, the Stillwater Insurance claims phone number is 800-220-1351.

Tri-State Availability by State

You can find the Tri-State headquarters at the Stillwater Insurance address:

6800 Southpoint Parkway, Suite 700. Jacksonville, FL 32216

To speak with customer service, the Tri State Insurance Company phone number is 855-712-4092. In addition, the Tri State insurance claims phone number is 800-220-1351.

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

TSC Direct Insurance Coverage Options

TSC, also known as Tristate auto insurance, doesn’t talk much about what it offers, but liability auto insurance 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.

Tri-State 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.

TSC Direct 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.

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.

How to Cancel 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.

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.

You may also get 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.

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 to Cancel Your 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.

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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 to File 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 855-712-4092.

How to 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.

Looking to compare your Tri-State quotes vs. the top companies? Insert your ZIP code into our quote tool below to get started.