people holding keys

5 Rules Every Landlord Should Live By

By erinkeltner / March 27, 2022 / Comments Off on 5 Rules Every Landlord Should Live By

I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property can be a major pain, and end up costing you a ton of money! I certainly don’t mean to be a “Debbie Downer”, and I know that if it’s done right it can be lucrative, but from an insurance agent’s perspective, I don’t see a lot of people doing it right. So you’re probably thinking, “Well Chris, you are an…

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car crash

Why Do My Auto Insurance Rates Keep Going Up Even Though My Car Keeps Getting Older?

By erinkeltner / March 25, 2022 / Comments Off on Why Do My Auto Insurance Rates Keep Going Up Even Though My Car Keeps Getting Older?

Why do my auto insurance rates keep going up even though my car is getting older?  At E3 Insurance, many of our clients ask this question so I would like to address it from a couple of angles. First things first, even though it’s called car/auto insurance, it covers more than just your car. It should technically be called “auto-owners” insurance, similarly to how home insurance is actually called “home owners insurance”. It’s important to understand that there are a lot of variables that go into insurance premiums, and with auto insurance, it’s no different. The insurance company is much…

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family playing with daughter

Will my credit rating change my insurance rates?

By erinkeltner / February 2, 2022 / Comments Off on Will my credit rating change my insurance rates?

I was recently asked this question by one of our E3 Insurance clients, and thought I would share the answer here for our readers. There are a lot of things that go into homeowners and auto insurance rates, one of them being credit. I’ve heard a lot of complaints from people who don’t like the fact that insurance companies use credit in their underwriting. Some people have absolutely no idea that it’s used in the rate at all. At the end of the day, there’s not much we can do about it though. Insurance companies have been using credit in their…

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