Blog - Roper Insurance Services

What’s The Difference? A Simple Guide To Liability And Full Coverage Car Insurance

7/14/2025

When it comes to car insurance, one of the most common questions drivers ask is:
“Should I get liability or full coverage?”

The answer depends on several factors—like your vehicle’s value, your budget, and your risk tolerance. To help you make an informed decision, this guide breaks down the key differences between liability insurance and full coverage, what each includes, and when it makes sense to choose one over the other.

Hands-On Car Care: The Top 5 DIY Maintenance Essentials

6/16/2025

You don’t have to be a professional mechanic to keep your car running smoothly. In fact, regular do-it-yourself (DIY) car maintenance not only extends the life of your vehicle but also saves you money on costly repairs down the road. By staying on top of a few simple tasks, you can boost your car’s performance, improve safety, and keep it looking great—all from your own garage.

Here are the top 5 DIY car care essentials every vehicle owner should know.

Why Comprehensive Auto Insurance Matters More Than You Think

6/2/2025

When most people think of car insurance, they focus on collisions—accidents involving other vehicles or objects. But what if your car gets stolen, damaged by a storm, or hit by a falling tree? That’s where comprehensive auto insurance steps in. While it's often overshadowed by liability and collision coverage, comprehensive insurance can save you thousands in unexpected situations.

Here's why comprehensive coverage matters more than you might realize—and what exactly it protects you from.

Driving With A Record: How To Find Insurance As A High-Risk Driver

5/12/2025

Getting car insurance can be challenging when your driving record is less than perfect. Whether it’s due to accidents, DUI charges, traffic violations, or lapses in coverage, being labeled a high-risk driver often means higher premiums and limited options. But the good news is—insurance is still within reach, and there are steps you can take to find the right coverage at a price you can manage.

No Car, No Problem: Smart Coverage For Renters And Borrowers

4/8/2025

Many people assume auto insurance is only necessary if you own a vehicle. But what if you frequently rent cars, borrow a friend’s vehicle, or use car-sharing services? Even without owning a car, you could still be at financial risk on the road. Fortunately, there are smart coverage options designed specifically for non-owners — and understanding them can save you from costly surprises.

Reap The Benefits Of Low-Mileage Driving: The Best Insurance Plans For You

3/5/2025

As a low-mileage driver, you may be eligible for significant savings on your auto insurance premiums. If you're not commuting long distances or using your vehicle every day, your risk of being involved in an accident is lower, which makes you a lower-risk driver in the eyes of insurers. As a result, many insurance companies offer discounts and specialized policies for drivers who log fewer miles each year.

In this article, we’ll discuss the best auto insurance options for low-mileage drivers and how you can maximize your savings by choosing the right coverage.

Drive More, Save More: The Perks Of Multi-Car Insurance Policies

2/3/2025

If you have more than one vehicle in your household, you might be paying more for car insurance than you need to. Multi-car insurance policies offer a cost-effective way to insure multiple vehicles under a single policy, providing convenience, discounts, and comprehensive coverage for families and individuals with multiple cars.

In this guide, we’ll explore the benefits of multi-car insurance, how it works, and how you can maximize savings while ensuring adequate protection for all your vehicles.

Buying A Family Car: Features And Models For Parents

1/20/2025

Selecting the right family car is a significant decision for parents, as it involves finding a vehicle that balances safety, comfort, and practicality. With countless options on the market, choosing a car that suits your family’s needs can feel overwhelming. This guide explores essential features to look for in a family car and highlights popular models designed to make life easier for parents and their children.

Understanding How Credit Affects Your Car Insurance Costs

1/6/2025

Your credit score impacts various aspects of your financial life, from loan approvals to interest rates, and even your car insurance premiums. While it may seem surprising, insurers often consider your credit score when determining how much you’ll pay for coverage. Understanding how credit influences car insurance costs can help you take control of your finances and potentially lower your premiums.

Car Theft Prevention: Safeguarding Your Vehicle

12/2/2024

Car theft remains a pervasive issue, with thousands of vehicles stolen each year due to both opportunistic crimes and sophisticated theft techniques. These incidents not only result in financial loss but also cause significant emotional stress and disruption to daily life. Safeguarding your vehicle requires a proactive approach that combines smart habits, advanced security measures, and heightened situational awareness. From simple preventative actions like locking your car doors to investing in advanced anti-theft technology, there are numerous ways to protect your vehicle. This article provides actionable strategies to reduce your risk of theft and explains the crucial role auto insurance plays in minimizing the financial burden in case the unexpected happens.

Licensed to sell in North Carolina and South Carolina

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Roper Insurance Services
118 E Caswell St
Hendersonville, NC 28792
(828) 697-6709
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