BY SOLO INSURANCE®

Should you buy a convertible, or not? Whether you call it a drop top, rag top, or roadster, it may suit your heart’s desire. It could be just what you want, but there are some more practical factors to consider too. One of them could impact your decision. Read on for things to consider before buying.

RAGTOP OR ROADSTER, OH WHAT A FEELING!

Nothing beat the feeling of being young and free as I rode shotgun in my brother’s Olds Cutlass convertible! The music spurred us on and the wind whipped through our hair with such a feeling of freedom. A close second was traveling down the coastal highways of California with my Uncle in his old Mercedes 190SL. The sun was shining as the sea breeze invigorated our sense of adventure. Anything was possible! There weren’t any cares or worries, just fresh air and enjoying the ride as we savored the moment. These are the feelings I associate with convertibles. You may have your own special memories.

Having said that, and looking back, I realize I enjoyed other people’s convertibles. Are they worth the investment? Should you buy a convertible? You are seriously thinking about it. What should you consider first? Read on for some helpful things to consider as you make your purchase decision.

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REASONS TO LOVE CONVERTIBLES

You want to get a convertible. Understandable, because convertibles are fun! So, the big positive of owning a convertible is the fun factor. There’s no getting around it, it’s fun to be in a convertible when the weather is beautiful! Especially when your environment is breath-taking and you are on an adventure. A convertible tells the world you have a style all your own. It adds a bit of playfulness to a country drive. If it’s a bit chilly, turn the heat on! If it’s a bit too warm, turn the air conditioning on! Either way, it’s good to be out there with the top down.

Accordingly, convertibles give the feeling of being more connected to outdoors when driving, like a mini vacation when driving. The joy and fun of it can improve mood and reduce stress. Practically speaking, with the top down, convertibles offer the ultimate 360-degree visibility. Plus, it’s the ultimate headroom alternative.

THINGS TO CONSIDER BEFORE BUYING A CONVERTIBLE

Seriously thinking about buying a convertible? Here are some things to consider. These are the “cons,” the possible downsides of owning a convertible.

For instance, did you know that:

• Theft and tamper risks increase due to a convertible’s easy accessibility to all.
• Convertibles typically cost more to insure than their non-convertible equivalents.
  • Safety concerns and potential for higher repair costs are part of the car insurance equation.
  • What safety features does this model offer? Is there a safer model?
• Convertibles are noisier with increased wind and road noise (in some cases, even with the top up).
• Personal safety is at a higher risk since there’s nothing between you and the world.
• Convertible tops require maintenance and cleaning to promote longevity and prevent damage.
• The weather isn’t always beautiful. If your climate includes frequent rain or cold weather, your use could be limited. Do you have another vehicle to drive in case of bad weather?

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THE BIG DECISION, TO PURCHASE A CONVERTIBLE OR NOT?

Above all, it really comes down to the practicality versus the “I want it” of your situation. Buying a convertible could be just the ticket to fun you want. When your decision isn’t based on a whim, you’ll feel better about it in the long run.

In conclusion, we recommend doing your homework to decide if it’s right for you before you buy. Remember to:

• Compare the costs of your car insurance.
• Ask about the maintenance requirements of the top. Is there any warranty on it?
• Test drive the convertible on the highway with the top up to hear the wind noise.
• Get some new quotes from a car insurance broker like Solo (not all car insurance companies look at convertibles in the same way).
• Do you need the passenger or cargo space you could be giving up?
• Are your dogs safe in it? Do they even like it?
• Are there complaints about the roof leaking on the model you’re considering?

IF YOU DECIDE TO BUY A CONVERTIBLE

All things considered, should you buy a convertible? There are things to consider besides the “I want.” One last thought, if undecided, perhaps splurge and rent a convertible to see what you like and don’t like about it. Whatever you decide, we hope this has helped you to make the best choice for you!

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