3R Insurance Agency exists to help individuals, families and business find the Right Coverage, for the Right Value. As an Independent Agency we have access to multiple top rated carriers. We want to be more than just a company that can shop your insurance. We want to be your partner in insurance. There are 3 Costs of Insurance. 1. The Cost of your Premium. 2. The Cost of your Deductible. 3. The Cost of being Underinsured.