Right Coverage / Right Value / Right Agent®
Learn more about our agency.
With more than 30 years of experience in the insurance industry, Andy Roy is proud to offer his Colorado community quality insurance solutions. As long time residents of the area, Andy and his team find true value in operating their firm as an independent agency where clients are the main priority.
3R Insurance Agency and their team of knowledgeable and dedicated agents seek to find top insurance coverage for each client to ensure they are continually and adequately protected. They aim to establish a long-term relationship with clients and take pride in the opportunity to educate insurance options and secure coverage that will provide the most value for investment.
3R Insurance Agency is Colorado’s family-owned and operated independent insurance agency. We work with top-rated carriers with a reputation for quality products and unmatched service—because we have your back. Read more about us!
The Three Costs of Insurance
- The cost of your premium.
- The cost of your deductible.
- The cost of being uninsured.
3R Insurance Agency is here to help you balance these costs and stay protected.
What Makes 3R Insurance Agency Special
Here’s what sets us apart when it comes to serving your insurance needs.
Family-Owned and Operated
We care about our local Colorado community and have the regional experience to best protect residents and businesses of our area.
We are proud nine-year recipients of the Five Star Professional’s Home and Auto Insurance Professional Award, most recently earned in 2020.
We are experienced and understand the importance of quality coverage—customizing solutions to minimize your risks and protect your assets.
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
“Andy Roy provides outstanding customer service and truly cares about us as clients. We were overpaying with another company for years prior to meeting Andy who has been able to save us money and take care of all our business needs. We continually refer Andy Roy to anyone who may be looking for insurance coverage.”Office Euro FlooringBusiness Insurance Client
“We had a house fire in December and Andy and Ryan were at the house the next day. Their concern was evident when they spent a lot of time with us. But they also brought us provisions such as water and fruit. It was a very scary event but Andy made it so easy for us. And let me tell you, when your insurance agent gives you a hug as soon as he sees you, I knew we were going to be ok.”Jennifer W.Personal Insurance Client
Real clients. Real reviews. Real coverage.
“I have known Andy for many years, he keeps track of his clients and always does his best to provide the best rates possible. Andy always provides me, my friends, and my family with the best rates possible. His professionalism and quality of customer service cannot be matched.”
– Ed D.
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what matters most.
Bodily Injury Liability Coverage
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.
Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.
Medical Payments Coverage
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.
Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.
Uninsured / Underinsured Motorist Damage Coverage
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Transportation Expenses / Rental Coverage
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Auto Insurance 101
Make sure you cover the unique risks you face with auto insurance.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.