Are convertibles more expensive to insure?

Asked by: Keely Nicolas
Score: 4.8/5 (20 votes)

Insurance is higher on convertibles. Convertible car insurance rates average at $206/mo, which is 30 percent higher than the standard rate for a hard-top sedan. You can lower your convertible car insurance costs with a defensive driving course and by shopping around online for auto insurance quotes.

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Additionally, Is insuring a convertible more expensive?

Convertibles Not Only Cost More To Buy, They Cost More To Insure. ... Though auto insurance rates vary between vehicles, soft top convertibles may be more expensive to insure because soft tops may be considered less safe than cars with standard tops or hard top convertibles.

Also question is, Is a convertible worth it?. Convertibles are worth it for those who want a completely different driving experience, and particularly for those who live in warm and sunny climates. They look sporty, provide a great sense of speed, and allow the driver to soak up the sun whilst on the road.

Similarly, it is asked, Does car insurance cover convertible tops?

If you have full coverage the insurance will pay to replace your convertible top, less your deductable. * However a convertible top is considered a wear item, meaning that every year older the top is, it is worth less (prorated). ... Call your insurance agent and ask.

Is a coupe or convertible more expensive?

Convertibles can be expensive.

They tend to be $5,000 to $9,000 more expensive, on average, than comparable sedans or coupes, writes Nationwide.

41 related questions found

What is the best convertible car to buy?

10 Best Convertible Cars for 2021: Reviews, Photos and More
  • BMW 428.
  • Fiat 500.
  • Fiat 124 Spider.
  • Volkswagen Beetle.
  • Mini Cooper.
  • Mazda MX-5 Miata.
  • Chevrolet Camaro.
  • Ford Mustang.

Is a coupe better than a convertible?

Coupes are usually more rigid than convertibles, owing to the fact that they have a full-on metal roof rather than a huge hole behind the top of the windshield where a convertible soft-top goes. ... Coupes are also the preferred choice of performance-car enthusiasts because they're lighter than convertibles.

Can hail damage be convertible on top?

Hail can even wreak havoc on the interior of your vehicle, if the storm is intense or your convertible top is down. ... This type of complete destruction is rare, but if the hail is large enough and comes down for a sustained time-period, you may need to visit an auto body repair shop to make your vehicle functional again.

Does comprehensive cover convertible top?

“If you have comprehensive coverage, your insurance might pay for the top. Because the damage was caused by an “”act of God,”” or weather, and not by normal wear and tear, your insurer will probably pay for repairs.

Does insurance cover Jeep soft top?

You are responsible for maintaining your soft top and the vehicle as a whole. When there is a problem with the function of the soft top, it is up to you to request repairs from your technician. Insurance does not cover this.

Why are convertibles bad?

A key disadvantage of a soft-top is the roof can get easily damaged by someone with bad intentions. Even though the convertible fabric is highly durable, if someone were to puncture it with a sharp object, they could cause significant damage and gain access to any valuables stored inside your vehicle.

Why you shouldn't get a convertible?

Yes, a convertible has negatives. It costs more to buy, maintain, and insure. It isn't as roomy as an equivalent coupe, and it has safety and security issues. It might be a little noisier and a bit less comfortable as well.

Can soft-top convertibles go through a carwash?

Make it Secure: Only convertibles in good condition should be taken to a car wash. ... Avoid Direct Spray/Chemicals: Because canvas covers and other soft tops aren't designed to withstand the same barrage of cleaning that regular cars do, you should take care of the top separately from the bottom.

How long does convertible top last?

1. A properly maintained convertible top lasts an average of 5-7 years. 2. Never put a convertible top down when the temperature is below 60 degrees.

Are convertibles good in rain?

Susceptible to leaks

Roof materials have improved, but not enough to guarantee that water will stay outside. Whether you drive a hard-top or soft-top convertible, heavy rain and snow can still make you susceptible to leaks.

What is the best second hand convertible car?

10 Best Used Convertibles Under $25,000
  • 2019 Volkswagen Beetle Final Edition. Here's a chance to own a bit of automotive history. ...
  • 2019 Fiat 124 Spider. ...
  • 2018 Mazda MX-5 Miata RF. ...
  • 2012 Porsche Boxster. ...
  • 2010 Chevrolet Corvette. ...
  • 2016 Audi A5 Cabriolet. ...
  • 2014 Mercedes-Benz E 550 Cabriolet. ...
  • 2014 Lexus IS 350C.

Does auto insurance cover water leaks?

Typically, these are things such as theft, vandalism, fire, or extreme weather. ... Therefore, if you have comprehensive car insurance, you would be covered against water damage as a result of vandalism, putting out a car fire or acts of nature like flooding, hail or other extreme storms.

Can hail chip paint without denting?

Hail that impacts the metal on a vehicle will produce a dent that is conical in shape and has shallow sides. The center of the dent usually sustains a slight crease but with no loss of paint. With paint intact, most dents can be removed without painting the vehicle.

Is the C8 Corvette convertible worth it?

The Corvette is still livable with the base suspension, but spending some time in this car helped us confirm that the Mag Ride is worth every penny of its $1,895 price on the C8 Chevy Corvette Stingray Convertible. As for the rest of the car, it still lives up to the hype as the best Corvette ever made.

What's the difference between a cabriolet and a convertible?

The word simply means to convert and refers to the fact that a vehicle can be converted from one with a rooftop, to one without a top. The word convertible is the more widely used term in the auto industry today. ... Nowadays, the term cabriolet can be interchanged with convertible and basically means the same thing.

Can a coupe be a convertible?

Both convertibles and coupes tend to have one or two rows of seats. ... Coupes on the other hand, are very similar to convertibles in design. However, they lack the retractable mechanism and soft top that allow a convertible to become roofless.

What is the roomiest convertible?

1) Ford Mustang Convertible

As long as you don't need to carry more than one passenger the Mustang has plenty of room and tops our list of the convertibles with the most legroom.

What is the least expensive convertible?

10 Most Affordable New Convertibles
  • Audi A5: $50,400. ...
  • BMW Z4: $49,700. ...
  • BMW 2 Series: $41,850. ...
  • Ford Mustang: $32,655. ...
  • Chevrolet Camaro: $32,495. ...
  • Jeep Wrangler: $28,315. ...
  • Mini Convertible: $27,400. Mini is a premium brand, but it offers the second most affordable convertible on the market today. ...
  • Mazda MX-5 Miata: $26,830.

Does Toyota make a convertible in 2020?

2020 Toyota Camry Solara Convertible For Sale.

What happens if a convertible flips?

If a convertible flips over, you're done for. Rollovers are not common in convertibles, because they tend to have fairly low centers of gravity. But rollovers can happen. ... Convertibles are pretty darn safe these days, and they're a helluva lot safer than they were 30 years ago.