Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Oct 14, 2020

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Key takeaways...

  • If you have a convertible, you should look into the type of insurance you need to cover your investment
  • Convertibles tend to cost more to insure due to their vulnerability to theft, weather damage, and serious accidents
  • Look, shop, and compare and ask questions to get the best deal
  • Consider buying a convertible that is less expensive to insure if you are on a fixed budget

If you have a convertible, you may want to look into your insurance options. Insurance for convertibles is typically more expensive than that of other types of cars.

This increased cost is due in part to the fact that convertibles are easier to break into and they are also more involved in more serious accidents than non-convertible cars.

Compare car insurance options for your convertible to make sure you get the best value for your money.

Are convertibles more dangerous?

Convertibles are fun vehicles that people enjoy due to the feeling of freedom that they allow you to have while driving. But there are safety concerns with convertibles that are not present with other types of cars.

For example:

  • Convertibles tend to throw people from the vehicle more often
  • Rollover accidents are common among convertibles
  • Convertibles are sometimes more likely to be stolen as well, due to their resale value and the tendency for more people to view them as a sports type vehicle
  • Convertibles may also receive more damage during a hailstorm or acts of nature
  • The fact that they have an open top can create all sorts of dangers including theft, vandalism, rain or weather damage, and other concerns

Because of these risks, it may cost more to insure a convertible than it does other types of vehicles.

This is why it is to your advantage to shop around when it comes to locating the best insurance for your convertible so that you will know your investment is covered.

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How to Find the Best Insurance

When looking for insurance for your convertible vehicle, you should follow the same basic rules of finding car insurance for any vehicle. You should consider the following criteria when searching for the best insurance for your car.

  • Meets mandatory state insurance requirements The first and most important thing you have to do with your car insurance is to get the state-mandated insurance that is required in your state. Refer to this state map to see if you are in compliance with this requirement.
  • Offers optional uninsured and underinsured coverage Uninsured and underinsured insurance is a good coverage to carry. You never know when you may be involved in an accident with someone who does not have adequate insurance.
  • Offers comprehensive insurance coverage  Comprehensive insurance helps you cover anything other than an accident with a vehicle.
  • Listens to your needs Choose an insurance company that will listen to your needs and try to shape your insurance policy into something that will help you to get the policy you need.

Compare Car Insurance Companies

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Ask Questions

When shopping and comparing various policies and insurance companies, you should feel free to ask questions of your representatives to get the answers you need.

Insurance agents are required to tell you the truth and to have integrity when it comes to what a policy covers.

They are also discouraged from telling you why one company is better than another. This can unduly influence the consumer’s choice, and they can sometimes even be cited with a criminal offense for something known as “twisting” when comparing policies.

It is so important to ask questions about the various policies and plans so that the representative can simply answer the questions you have without having to lay out the plans side-by-side to show you how they are different.

You can draw your conclusions on this once you have gotten your important questions answered.

How to Save Money Insuring Your Convertible

If you are planning to purchase a new car shortly, you should look into this list of the ten cheapest convertibles to insure. This article lists some of the exact models that cost less to insure.

The best thing you can do if you want to save money on your car insurance is to keep your driving record clean.

There is no other factor other than your driving record that influences your car insurance premium, no matter what type of car you have.

Whether you have a convertible or another vehicle, you can greatly lower your insurance rates simply by watching your driving record and avoiding all traffic violations.

Other factors that influence your insurance premiums include:

  • Age and marital status
  • Credit report
  • Insurance payment history
  • Age of car and make/model

All of the factors including your credit report and other factors above also affect your premiums.

If you pay your bill regularly or set up autopay for your insurance premium payments, you will have a better chance of getting a lower premium.

You can also take a defensive driving course that can significantly reduce your insurance premiums and lower your risk of accidents.

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Apply for Discounts

You may be eligible for premium discounts based on your status. Some of the types of discounts you may be able to get are listed below.

  • Safe driving discount
  • Student discount
  • Military discount
  • Low mileage discount

If you want to get the best rates, start by shopping and comparing prices between different insurance companies and policies. Read the fine print and ask questions when needed to make sure you understand what it means.

Feel free to browse our site and ask for a free quote to get started. Think about how often you drive, the distance involved, and your level of risk. Then ask about insurance discounts which are often available with many companies.

Compare car insurance rates today using our free quote tool.