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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.

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.

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

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.

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.