Tri-State Auto Insurance Review (2022)
This Tri-State Auto Insurance Review (2021) review will cover Tri-State Auto Insurance Review (2021) ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Tri-State Auto Insurance Review (2021) A.M. Best rating is A-. To compare insurance rates from the best companies in your locale, enter your ZIP code below.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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UPDATED: Sep 24, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 24, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
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Tri-State Consumer Direct (TSC)
Average annual rate for good drivers:
N/AA.M. Best rating:
A-Complaint level:
LowPros
- Auto insurance policyholders who own a home can also enroll in a Tri-State Consumer home insurance policy
- TSC rewards policyholders who have a clean driving record with a discount
Cons
- Tri-State Consumer Insurance is only available in New York and only has one location
- Their coverage rates usually aren’t readily available online
The Bottom Line
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. 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.
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.
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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.
| General Discounts | Vehicle Discounts | Other Discounts |
|---|---|---|
| Accident Prevention Course | New Vehicle Discount | Senior Citizen Discount |
| Driver’s Training Course | Multi-Vehicle Discount | Military Discount |
| Good Student Discount | Recovery System | Loyalty Discount |
| Student Away at School | VIN Etching | |
| Good Driver Discount | Safety Feature Discount | |
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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).
Tri-State Insurance Company (MN) vs. Competitors
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 Agency | Tri-State's Rating |
|---|---|
| AM Best | A- |
| Better Business Bureau | A+ |
| NAIC Complaint Index | 0 |
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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.
Frequently Asked Questions
#1 – What are the liability coverage requirements in New York?
The minimum requirement for auto insurance is liability coverage. The liability coverage limit in New York is $25,000 for bodily injury and $50,000 for the death of one person involved in an accident, $50,000 for bodily injury, and $100,000 for the death of two or more people in an accident. The property damage limit is $10,000 for a single accident.
#2 – What is full coverage auto insurance?
Full coverage is a combination of liability, collision, and comprehensive coverage.
#3 – Why aren’t Tri-State’s auto insurance rates made public?
It’s unusual for smaller companies to have a lot of rate information out there. However, the company does make it relatively easy for a person to get a quote through its website.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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Written by
Rachel Bodine |
|
Reviewed by
Daniel Walker
|
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