TSC Direct Insurance: A Comprehensive Review to Its Legitimacy and company Info.

TSC Direct Insurance is a company that claims to offer low-cost and high-quality auto and home insurance to residents of the New York metropolitan area. But is it legit? In this article, we will review the company’s overview, benefits, claims, services, contacts, ratings, insurance plans prices and reviews to help you decide if TSC Direct Insurance is right for you.

image of TSC Direct Insurance, Auto and home insurance


TSC Direct Insurance stands for Tri-State Consumer Direct Insurance, and it was founded in 1982 by a group of New York drivers who wanted to save money on their insurance premiums.

The company operates as a mutual insurance company, which means that it is owned by its policyholders and does not have shareholders or investors.

The company’s mission is to provide quality insurance coverage at affordable rates to responsible drivers and homeowners in the New York metropolitan area.


TSC Direct Insurance offers several benefits to its customers, such as:

  • 12-month policies, so that you won’t have any surprise rate increases for an entire year
  • A- rating by AM Best, one of the US’ leading financial strength rating organizations
  • A+ rating by the Better Business Bureau, indicating a high level of customer satisfaction and trustworthiness.
  • Online portal to make payments 24/7 and access policy information.
  • Charitable involvement in supporting various organizations like Island Harvest and the Red Cross.

image of TSC Direct Insurance, Auto and home insurance


TSC Direct Insurance has a simple and convenient claims process, which can be initiated online, by phone, or by email.

The company promises to handle claims promptly and fairly, and to provide updates on the status of the claim.

The company also has a network of preferred repair shops that can provide quality service and guarantee their work for as long as you own your car.


TSC Direct Insurance provides auto and home insurance services to its customers. The auto insurance coverage includes liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, and personal injury protection.

The home insurance coverage includes dwelling, personal property, liability, loss of use, and optional endorsements for valuables, identity theft, water backup, and more.


TSC Direct Insurance can be contacted by phone, email, or mail. The company’s contact information is as follows:

  • Customer Service: 516-681-9400
  • Claims: 516-681-9400
  • Address: TSC>Direct, 100 Jericho Quadrangle, Suite 124, Jericho, New York 11753
  • Email: [email protected]

image of TSC Direct Insurance, Auto and home insurance


TSC Direct Insurance has received positive ratings from various sources, such as:

  • Compare.com: 3.7 out of 5 stars, based on nearly 500 reviews.
  • Clearsurance: 3.49 out of 5 stars, based on 8 reviews.
  • Birdeye: 4.9 out of 5 stars, based on 14 reviews.
  • Sitejabber: 1 out of 5 stars, based on 1 review.

Insurance Plans Prices

TSC Direct Insurance claims to offer lower rates than other insurance companies in the New York metropolitan area, because it only insures responsible drivers and homeowners who have good driving records and credit scores. The company also offers various discounts, such as:

  • Daytime running lights: 3% off
  • Air bags: 30% off
  • Anti-theft: up to 15% off
  • ABS: 7% off
  • Multi-car: up to 25% off
  • Good student: up to 15% off

The exact price of the insurance plans depends on several factors, such as the type and amount of coverage, the vehicle and home characteristics, the location and zip code, the driving history and credit score, and the number of drivers and household members.

The best way to get an accurate quote is to visit the company’s website and fill out the online form.


TSC Direct Insurance has received mixed reviews from its customers, with some praising the company’s low rates, friendly service, and easy claims process, and others complaining about the company’s poor communication, slow response, and rate increases.

Here are some examples of customer reviews from different sources:

  • Positive review: “I think that TSC Direct is a great company and very affordable. I use to have coverage with Geico and to me Geico’s rates are way too high. So I shopped around and found TSC Direct. I have been with them for over 5 yrs. now and never had a problem with them. They paid for my windshield to be replaced in a promptly manner with no hold ups. Thanks TSC Direct!”
  • Negative review: “I have been with TSC for 10 years and never had a claim. I recently moved and they increased my rate by 50%. I called to ask why and they said it was because of my new zip code. I checked other insurance companies and they all quoted me much lower rates for the same coverage. I feel like TSC is ripping me off and I am switching to another company.”


TSC Direct Insurance is a company that offers auto and home insurance in the New York metropolitan area.

The company has some advantages, such as low rates for responsible drivers and homeowners, 12-month policies, online portal, and charitable involvement.

TSC Direct Insurance company also has some drawbacks, such as limited service area, mixed customer reviews, and potential rate increases.

The company may be a good option for you if you live in the New York metropolitan area, have a good driving record and credit score, and want to save money on your insurance premiums.

However, you should always compare different insurance companies and plans before making a final decision.

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