Insurance Agency in Morro Bay, CA

Helping you get cars off the lot since 2012!

At 3R Car Insurance, we can access many different insurance products so you can get the right one for you. and your clients, all day, every day!

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When it comes to shopping for insurance, a large majority of dealerships are skeptical and confused. We totally understand.

Time Consuming

Are you wasting way too much time chasing something you truly don't understand?

Too Complicated

Are you overwhelmed with all of the companies, coverages, and insurance lingo?

Too Expensive

Are you needlessly spending way more than you have to on your insurance rates?

This is why we've built our services to specifically address the biggest pain-points consumers experience when searching for insurance.


We realize your time is valuable so we'll get to work quickly on your behalf to find the best options.


We know insurance can be confusing and we'll educate you so you truly understand your coverage.


Insurance doesn't have to be expensive. We help find the perfect balance of cost & coverage.

If you are a dealer, 3R Car Insurance has you covered.

Collateral Protection

Collateral Protection covers otherwise uninsured loss or damage to your assets. It acts similar to a bond on the car that can be used to compensate YOU, the dealer.

Workers Comp

We can offer the coverage you need at highly competitive rates. We can also review them with you so that you fully understand and can help to develop educational materials for your employees as well.

Business Protection

From the dealership lot, to the buildings, to the cars, we have you covered. We offer owners and renters coverage as well as liability protection. 

Commercial Liability

Commercial Liability Protection, commonly known as Business Insurance, offers coverage against a wide range of potential issues. In the current legal climate these protections cannot be overlooked. 


Karen Riles, Agency Client

I couldn't imagine using any other insurance agency....

"3R Car Insurance made the process extremely easy from start to finish. We had been with the same insurance company for over 10 years. We thought we had good policies until we had 3R Car Insurance review everything. We realized we were under-insured while paying far too much in the process. We're excited to work with a team who is both proactive and friendly, who really has our best interest in mind! "

Our Consultative Approach Means More Knowledge And Less Aggravation For Our Value Clients And Prospective Clients.

montage photo of professionals
  • We Learn

    By asking questions, and listening to your concerns.

  • We Share

    Our consultative process and recommendations.

  • We Implement

    Once you're comfortable, we'll put our plan into action.

Get Started With 3R Car Insurance

Our team is one click or call away from help you, your family, or your business with an insurance experience you'll actually enjoy.

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