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Auto Insurance in Tracy and Danville, CA

Auto Insurance In Tracy, CA

Drivers face a vast array of risks and exposures when they’re behind the wheel.  These risks and exposures can cause damages that result in devastating financial losses.  For this reason and others, it is critical for every driver to have comprehensive auto insurance.

At M3 Monagan Miller McCreary Insurance, we know the risks that drivers face and we understand the best ways to mitigate these risks through insurance solutions.  We consult with you individually to assess your needs in detail and match these needs with affordable coverage that keeps you protected now and in the future. 

We provide personalized services that are fast and efficient.  We are always available, even after regular working hours.  Our expert specialists know every aspect of our coverage options and they know local markets, laws, and risk control needs well.  We are ready to help you find the protection you need at the right price and to assure you that you can relax while you’re driving.

What does an M3 Auto Policy Cover?

Our policies are designed to fully protect you under all circumstances.  We tailor our policies to each individual’s unique needs and review the policies regularly to guarantee that the protection they provide is continuous.  To ensure continuous protection, our insurance plans provide more than coverage that just meets state-minimum requirements; they provide individualized protection.

Most insurance companies can offer ultra-competitively priced policies because these policies are general, broad, and generic.  There is no ‘one-size-fits-all’ coverage plan, especially for drivers.  Each plan is unique if it’s effective.  It’s also affordable. 

At M3 Insurance, we work with you closely to deliver the right coverage at a price that matches your budget.  We are also careful to maximize your savings by giving you opportunities to take advantage of significant benefits and discounts that are available.  Consulting one of our expert agents will help you find an ideal plan that protects you and saves you money now and in the future. 

Our coverage options include:

  • Liability Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • Uninsured & Underinsured Motorist Coverage
  • Diminishing Deductible
  • Accident Forgiveness
  • Minor Violation Forgiveness
  • Roadside Assistance
  • Specialty Auto Insurance
  • 24-Hour Customer Service
  • Towing
  • Rental Reimbursement
  • Personal Injury Protection (PIP)
  • Mexican Auto Insurance
  • Medical Payments Coverage


Why M3 Insurance?

We have more than two decades of experience delivering quality risk management solutions to drivers.  Our experience helps us quickly and efficiently create ideal insurance plans.  It also enables us to have quick turnarounds. 

We have a vast claims network that includes a variety of national insurance carriers.  Our partnerships with these carriers enable us to provide maximum coverage for minimal prices.  It gives you more value for your money, essentially.  Giving you value is most important to us, but we know that value is not just about protection and savings; it’s about services.

We are available to you whenever you need us, whether it’s online, over the phone, or in person.  If you need to speak with us after working hours, we‘ll be there for you.  Our staff is trained to answer your questions and give you the information you need to make the best possible decisions about coverage.

We’re a partner and a collaborator to you.  Whether you need to change coverage, add a policy, or just have questions, we’ll ensure that you get what you need.  We’re fast and efficient while gracious and understanding.  The full-service experience means being treated like a client and ally.

Contact a specialist at M3 Monagan Miller McCreary to find out how we can help you stay secure behind the wheel. 

We proudly provide car insurance to drivers in Tracy, Manteca, Danville, Alamo, San Ramon, and Pleasanton, California and surrounding areas.

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Our Locations

Tracy Location

1137 B Adam St.
Tracy, CA 95376
Main office: 209-835-6656
Toll free: 800-830-6656
Fax: 209-835-0955

Danville Location

4115 Blackhawk Plaza Circle
Suite 100
Danville, CA 94506
Main office: 925-350-8925
Fax: 866-790-0955

Our Providers


Thank you for the excellent service you have provided over the years, having both homes, three cars, umbrella and other insurance with you as well. It's all been fantastically handled. We made the move over because we saved a lot of money, but beyond saving money the service has been excellent and you and your entire team deserved to be thanked and credited for that. Thanks again, and it's been a wonderful experience and I'm looking forward to a long and prospect relationship.

Craig Walker
Sean and his team provided great service. I called Sean as a friend and asked him to look at my current policies to see if he could save me some money or possibly better protection and he came back with 1 ½ hr later which is amazing in today's day and time. He gave me much better protection and saved me at least 45-50% off my current home and auto policies. He organized and put it all together plus an umbrella policy. I just want to thank Sean and his team once again for helping out just great service. In today's day and age service means a lot especially when we can save some money. Thank you again.

David Liebowitz
Sean I just wanted to take a moment and tell you how happy Kim and I are with you and your team. Having been with State Farm for over 20 years, I just assumed they were taking care of us. Well needless to say – they were just taking our money. Your package saved us hundreds of dollars per year, and I could not be happier with the service. Thanks So Much.

Paul Bradley
My claim experience with your office and Travelers was great. Matt, the adjuster, was delightful. He made me feel relaxed and comfortable. I enjoyed working with him as he was extremely cooperative.

Paulette Ranuio
Your service is absolutely marvelous and just wonderful. When we had a billing problem, your team was on top of it. I was never nervous about it because I knew that it was being taken care of. I really want to thank you and your staff for being there. Your customer service is perfect.

Helena Lowe
I remember when my insurance premium was sky high. At M3, I saved $348 on my auto insurance and I upgraded my home insurance without paying more. It's incredible, I love it!

Joe Rowen
The service is first rate!

Bridget Riddle
I can't say enough good things about M3 Insurance. I couldn't ask for more when I compare my former agent with M3's there is no comparison. As far as claims goes, everything went right. I am a busy business owner and I know I can trust M3 to get the job done on time with a competitive price.

Bob Mills
Sean has always been there for us as our homes, investment properties, and business changes. He and his team do such a great job at keeping up with our busy lives and making sure we have the right protection at the right price.

Stephanie Prioste
There aren't many people in the insurance business that have the knowledge and understanding that Sean possesses. He has the ability to take an insurance policy, make it simple to understand, and take of details that others have left out. When it comes to insurance, Sean is the best.

Rob Riccio
Sean has been a valuable resource for over 10 years. When I remodeled my house, he helped to ensure that our improvements would be protected during and after construction Sean always makes a point to review my needs periodically which none of my other agents ever bothered to do.

Joe Grillo
If you, anyone you know, or any new clients are interested in speaking with a really awesome insurance agent, you should send them to mine. She rocks. I've been with her for 10 years now. Her name is Kelly Johnson at M3 Insurance.

Amir Littman, San Jose
"Jim and I were so impressed by your prompt customer service, complete and thorough assessment of our needs, and efficient processing of great policies. Both Kelly and Elizabeth were delightful to work with and we thank them in advance for being our 'go-to' people for future service. It is our pleasure to work with you and your outstanding team!"

Bette and Jim Felton