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