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Why TSC>Direct

There are important things to know about us, and we are proud to tell them:

TSC>Direct has been in business for over 20 years

We write automobile and homeowners/renters insurance policies for the 5 boroughs of NYC as well as Nassau and Suffolk County on Long Island

We can save you hundreds of dollars over the competition’s rates.

Our policies are for a one year time period, guaranteeing no mid-year increases

Many claims can be paid in 72 hours

We are rated A- “Excellent” by A.M. Best, the nation’s leading insurance rating organization

Our friendly, dedicated representatives can provide you with a free instant quote on your auto or homeowner insurance needs

We make applying easy! You can call 1-800 JOIN NOW or click here to apply now online.

TSC>Direct only insures better drivers, so you don’t get stuck paying for other people’s mistakes 
(Find out how safe drivers save $$$!)

We are located in New York and staffed by New Yorkers. We understand the special needs of New Yorkers. We very proudly say “For New Yorkers, by New Yorkers”

If would like to speak to one of our representatives, please call us at 1-800-JOIN NOW (1-800-564-6669).

How Safe Drivers Save $$$

Don't Pay for Others' Mistakes
You're a safe driver. You always stay below the speed limit, never forget to signal, and keep your eyes on the road. You're careful, responsible, and still your rates are unbelievably high. Confused? Many insurance companies will cover almost anyone, regardless of his or her record, and you end up paying for those less responsible than yourself. 

If you're a safe driver, there is no reason for you to subsidize reckless drivers by paying high insurance rates. Using this as our cardinal rule, Tri-State Consumer Insurance Inc. opened its doors almost 25 years ago, and has offered lower cost auto insurance to safe drivers in the New York City metropolitan area ever since. 

We only insure better drivers. You don't have to pay for other peoples' mistakes!

Outside Agents are Expensive

Most large insurance companies employ outside agents to sell their products to potential buyers. It's a good way to attract new clients, but middlemen are expensive. You pay for that expense in higher rates. Tri-State does not employ outside agents. We are able to keep costs low and pass the savings on to you.

The People Who Know New Yorkers Best – TSC>Direct Customer Service

Tri-State Consumer Insurance is rated A- (excellent) by A. M. Best, the leading and most highly respected organization for rating insurance companies. Our focus is providing lower cost auto insurance and superior service for good drivers who live on Long Island and in the five boroughs of New York City. 

We serve only the New York area. This lets us specialize in your area! Our staff are New Yorkers, they know what it takes to get you the best deal on your insurance needs.

Because we are New Yorkers ourselves, our customers aren't treated as if they were just a policy number. We treat you like you are our friends and neighbors, because you are!

Our mission is to make your search for the right insurance company as simple and convenient as possible, all while costing you less!

We are proud of our Customer Service Representatives. They are knowledgeable of their field and committed to our customers. That's how we've earned our reputation for professionalism and high customer satisfaction and that's why our largest source of new customers is referrals from our current customers.

Call 1-800-JOIN-NOW for a free price quote on your auto policy. Join a customer-friendly company that saves you money and treats you right.

As a good driver, we are sure you will agree when we say:

"Better Drivers Deserve Better Rates"

Things you need to know about buying insurance

It's a tough job, but everybody has to do it.

Because it involves theft, injury, property damage and money, it is not a subject most of us like to spend much time thinking about. Auto insurance is, however, an important part of our lives, since it is required by law in most states. An educated consumer should handle their auto insurance with the greatest consideration and care.

Choosing the right insurance carrier is the key to determining the quality of your experience. Making the right choice can be rather difficult if you don’t know the rules of the game. The following guide offers basic information and simple tips to help you better understand the process.

Some Terms & Recommendations

Liability Insurance: Reimburses others for injury, damages, or losses caused by your driving or your car. There are two types of liability insurance: bodily injury liability and property damage liability. Let's explore the difference.

Bodily Injury Liability: Covers your obligations resulting from death or injury in an accident in which you were at fault. If you rear-end Jeff, a professional ball player, and he sprains his wrist, he will be out of the game. Bodily injury liability will provide compensation for his pain and suffering, lost earnings, and related expenses.

Tri-State Recommendation: The minimum bodily injury limits in New York State are $25,000 per person and $50,000 per accident. If you are a homeowner with a reasonable well paying job, you should have bodily injury coverage of at least $100,000 per person, and $300,000 per accident. Buy less coverage if you have little income or few assets to protect.

Property Damage Liability: Pays for damage to material goods. If you dent Jeff's bumper, property damage liability will pay to have it repaired.

Tri-State Recommendation: In many states, the legal minimum requirement is not enough ($10,000 in New York); buying $25,000 should cover you in most cases.

Insurance companies have to set a limit on the amount of money they dish out in liability, otherwise they would go broke. Make sure to be aware of the limit on each type of insurance you purchase. The more the coverage you get, the more you pay up front.

Collision Insurance: Pays for the replacement or repair of your car, regardless of who is at fault in the accident. If you broke a headlight in your accident with Jeff, collision insurance would pay to have it repaired or replaced.

Tri-State Recommendation: Buy collision insurance if your car is worth more than $6,000.00. The bigger the deductible you carry, the cheaper the coverage. Collision coverage will pay you even if you are hit while parked or hit by an unknown car.

Comprehensive Insurance: Covers all damage to your car that does not involve a collision. If Jeff, extremely upset about his sprained wrist, smashes your car’s windows and steals your stereo, comprehensive insurance will pay for repairs.

Tri-State Recommendation: Same as collision insurance above.

Medical Payments Coverage or "Med Pay": Pays for physicians, hospital bills, funeral costs, and compensation for you and your passengers.

Tri-State Recommendation: If you have a good medical insurance policy, you are probably already covered. However, if you do not have health insurance you may want to buy Med Pay to cover what your health insurance won’t.

Personal Injury Protection (PIP): Is a broader form of Med Pay. It pays for medical bills and related losses, which you, and other passengers in your car, may have suffered when you rear-ended Jeff (regardless of fault). It would also pay these expenses for an injured pedestrian.

Tri-State Recommendation: The standard PIP coverage in New York is $50,000, which is usually adequate. If you feel that additional coverage is needed, you may purchase APIP or OBEL coverage, which can increase your PIP.

Uninsured and Underinsured Motorist Coverage (UM/SUM): Pays you, and members of your household, for losses in an accident with a hit-and-run driver or by a driver who lacks insurance coverage (or a driver who does not have enough insurance). The coverage is mandatory in many states, including New York.

Tri-State Recommendation: The minimum New York limits are $25,000 per person and $50,000 per accident. You can choose to purchase higher UM/SUM coverage limits (up to your bodily injury limits). This coverage is necessary, especially in well-populated areas where many people drive uninsured.


Things to know about saving on insurance

A TSC>Direct Airbag for Your Bank Account

TSC>Direct offers many discounts to increase your insurance savings. Please ask your TSC>Direct representative if you qualify for any of the following discounts:

  • Passing a defensive driving course
  • Buying both auto and homeowner insurance from one company
  • Insuring more than one car under the same policy
  • Having a car with outstanding safety features (i.e., airbags, alarms, automatic safety belts, anti-lock brakes, etc.
  • Having a child who lives more than 100 miles from where the car is garaged. 

Plan ahead. When buying a new car, ask your TSC>Direct rep for insurance rate quotes on several models you are interested in. A Mercedes or Porsche would cost a whole lot more to insure than a Ford.

Remember that TSC>Direct is a New York company, that means our people can serve your needs best. What does a company from Wichita know about owning a car in New York? Knowing the New York area is one way TSC>Direct can offer lower rates and personalized customer service.

At TSC>Direct we want you to be an informed consumer. We are confident that when you know the rules of the game and understand the competitive rates and quality service that TSC>Direct provides, you will make the choice that’s right for you and so many other good New York drivers: TSC>Direct.

Please call us today at 1-800-JOINNOW or sign up online at 800joinnow.com

Connect with TSC>Direct:  
As of December 31, 2016, Tri-State Consumer Insurance Company, known by its trade name, TSC>Direct, had admitted assets of $101,485,986 and policyholders surplus of $43,976,845. Its total liabilities were $57,509,141 including $41,214,941 in reserves.

2015 All Rights Reserved. Tri-State Consumer Insurance Company, a division of Tri-State Consumer Inc., 100 Jericho Quadrangle, Suite 124, Jericho, NY 11753-2702

Providing auto and homeowners insurance to: New York City, Queens, Manhattan, Brooklyn, Bronx, Staten Island, and Nassau & Suffolk Counties in Long Island. Providing homeowners insurance also to: Westchester County and Orange County NY.