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If you are considering buying a sports car convertible, but you are thinking about a lower cost sports car, such as a Mustang, then your insurance rates may increase between $200 and $500 each year.

1) 2015 smart fortwo Passion Cabriolet: $18,680. 2) 2015 Fiat 500C Pop: $21,325 3) 2015 Jeep Wrangler Sport 4×4: $23,990.  4) 2016 Mazda MX-5 Miata Sport: $25,735. 5) 2015 Volkswagen Beetle Convertible 1.8T: $26,415.

A retractable hardtop (also known as coupé convertible or coupé cabriolet) is a type of convertible that forgoes a folding textile roof in favor of an automatically operated, multi-part, self-storing roof where the rigid roof sections are opaque, translucent, or independently operable.

Convertibles are generally more expensive because it's not just a sedan or coupe with the roof left off. A properly engineered convertible needs extra re-enforcement of the frame to increase the structural rigidity lost without the pillars and hard roof that sedans have.

Some drivers in northern climates reject convertible cars because they can't be used during the winter.

Despite the relatively flimsy appearance of their roof structures, late-model convertibles are no riskier than non-convertibles, according to the analysis of crash and fatality rates. In fact, both crash rates and driver death rates were lower for convertibles than for non-convertible versions of the same cars.