A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 10, 2021

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Important facts to know...

  • Car insurance carriers may specialize in convertible car insurance
  • Know what your needs are for coverage limits and deductibles
  • Niche car insurance carriers may price more competitively

There are so many different types of needs that customers have when it comes to car insurance.

Some people need car insurance so that they can be covered for the minivan that they drive to work and soccer practice with daily. Others may be in need of car insurance for their sedan that they commute hours on end with the day in and day out.

With so many different types of cars out there in the industry, it is important for car insurance carriers to understand each unique need that exists. If you need car insurance for a convertible, for example, what is that going to look like?

Convertibles have been covered by car insurance carriers ever since they first hit the open roads.

When convertibles were first released, though, there was a lot of hesitation on the part of many insurance carriers covering these types of cars. They were thought to be more dangerous than a typical car; they were believed to be higher risk.

As the decades have passed, though, insurers know much more and can price these policies competitively.

Compare car insurance quotes today to see how much you could save!

Understand Your Coverage Needs

One of the biggest things that you as a consumer need to have an understanding of is the coverage needs that you have.

When you begin to shop for car insurance, you must understand that no two policies may be exactly alike. Some of them are going to have coverage limits that are going to be far different from other companies. These coverages include:

Some limits may be high on individual policies and some may be low. You want to get a good picture, though, of what limits are going to give you the comfortable feeling that you are seeking.

When it comes to car insurance, it is all about being confident that coverage you have is going to indemnify you should something go wrong.

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Know the Deductible

Deductibles are the last piece of this puzzle as well. The deductible is what you are expected to have to pay out of pocket when you get into a car accident.

If you have a car crash and your policy has a $1,000 deductible, you are going to be paying the first $1,000 to have your convertible repaired out of pocket.

Pricing Convertible Car Insurance

There is a lot of data that is driving car insurance carriers towards some of the pricing decisions they are making for convertibles.

The data is giving car insurance carriers an idea as to just how dangerous these types of vehicles are. It also provides insight into how certain people drive when behind the wheel of a convertible versus a minivan, an SUV, and a sedan.

Insurance carriers are smart. Their goal is to price the risk appropriately so that the premium that you pay is such that they believe over the long-term, it is a fair exchange for the coverage that they are providing.

Sure niche car insurance carriers are going to specialize in convertible car insurance. These niche carriers may be able to price your policy better and also service claims should an accident occur.

Tying it All Together

Once you have an understanding of just how much information car insurance carriers are working with, as well as your coverage needs, it is time to tie it all together.

The more that you do your homework online and get prices for insurance policies, the better off you are going to be.

It is all about price comparisons of the various insurance carriers. Some insurance carriers are going to offer you the same coverages and deductible, but the premium for the first carrier may be hundreds of dollars more than the second carrier.

The difference is just one carrier’s interpretation of you as a risk versus the other. Some carriers may also charge more simply because of the following reasons:

  • their brand appeal
  • customer service reputation for claims

When you are behind the wheel of a convertible, you want to make sure that you will be indemnified should something terrible happens.

Being prepared and making a sound insurance policy decision will set you up for success in your hunt for insurance and acting on such a policy should the need arise.

Compare auto insurance quotes right now by entering your zip code below.


  1. https://www.libertymutual.com/auto/car-insurance-coverage/collision-insurance
  2. https://www.consumeraffairs.com/news/should-you-raise-your-auto-insurance-deductible-011117.html
  3. https://www.progressive.com/auto/insurance-deductibles/
  4. http://www.safeco.com/blog-detail/car-insurance-for-a-convertible/1240027332269
  5. http://www.today.com/money/cheap-car-insurance-buy-minivan-6C9677233