Convertibles = easy, breezy car insurance savings

The wind in your hair, the sun on your face...nothing beats a summer road trip driving a convertible. While convertibles aren't for everyone, for those who have always had the dream of driving with the option to have the top down, there's good news: often a convertible is cheaper to insure than the non-convertible version of the same car.

As odd as this may seem, online car insurance quotes through shows this to be the case more often than not. Convertible car insurance quotes for each of the following vehicles showed that the convertible was typically less to insure than the hard-top counterpart:

  • Ford Mustang
  • MINI Cooper
  • Volkswagen Beetle
  • Chrysler 200
  • Audi A3
  • Fiat 500

Why are convertible cars cheaper to insure?

Chances are most people would think convertibles cost more to insure. They're sporty, fun, and make every drive an adventure. But, this doesn't mean that the car costs more to insure. There's a lot that goes into calculating an insurance rate, and based on these convertibles, sporty and fun doesn't come with an added insurance cost.

How are car insurance rates calculated?

Your car insurance rates are calculated, in part, by the car you drive: the chances it'll be stolen, its repair costs, and how well it protects everyone in the car from injury in an accident. These are all factors that are considered when calculating your car insurance rate. Also factored into your rate is where you live, your driving record, and insurance and driving history.

One thing is for certain, feeling the wind in your hair and the sun on your face may not be as out of reach as you may have once thought, all you have to do is compare car insurance quotes to know for sure.

Prefer a roof over your head?

If worrying about birds flying overhead while driving is too much to handle, and you're in the market to buy a new set of wheels, then you may want to read:

We compared quotes for each of the vehicles across six Ontario cities for a 35-year-old driver with zero accidents, claims or tickets.

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