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Convertible Top Down

doug • March 13, 2019

Convertible

What is it about riding with the convertible top down?

 

The call of the open road is at its strongest during the summer – and so is the call of the convertible. If you’re one of those drivers who has long dreamed of dropping the top and heading across South Carolina and beyond, we here at Select Source Insurance have some buying tips for you.

And before we forget, make sure you’ve got plenty of sunscreen!

Safety considerations

Of course, you want to be safe when driving your new car, so here are a few things to look for in a convertible, according to Edmunds.com.

  • Roll bars: Generally, convertibles offer some sort of roll bar to protect passengers should the car roll over.
  • Airbags: Side airbags that deploy from seats can be an optional feature on less-expensive convertibles and something you should consider. Some of these airbags offer extra protection for the head.
  • Rear-view cameras and sensors: When the top is up, it can be difficult to see out of the rear window. Cameras and sensors can provide added safety.

Hard or soft top? Convertible Top Down  

You have two main choices when it comes to tops: Soft, which can result in more road noise and may be more susceptible to damage, and hard, which often look better but add weight and take up more trunk space when down. (A third option is a completely removable hard top, such as those found on some Jeeps.) This choice is largely a matter of personal preference, though cost can be a factor.

You’ll also want to test the top for leaks – regardless of whether it’s a soft or hard top. Spray water where the roof connects with the windshield and where the glass meets the roof along the sides. You’re looking to make sure no moisture gets inside.

Everyday issues

If you’re planning to drive your convertible frequently (and why wouldn’t you?), there are some practical things you should take into consideration:

  • Wind noise: When you have the top down at South Carolina highway speeds, you might find it difficult to hear the stereo system. If you’ll be driving a lot with the top down, getting the upgraded stereo might not be worth it. Then again, a better stereo can have more power, allowing you to actually hear your music.
  • Putting the top up/down: A motorized top, of course, makes everything easier. But they are more complex. Be sure to test out the top and how long it takes you to put it up or down, especially if it’s a manual process. After all, if it starts raining suddenly, you want to be able to get the top up as quickly as possible!
  • Luggage space: Most convertibles aren’t large to begin with, but trunk space is even smaller when the top is down. If you plan to take your convertible on vacation (or pack golf clubs or other bulky items), it’s a good idea to really take a hard look at the trunk space before you buy.
  • Passenger space: Do you need to take more than one passenger on many of your drives? If so, a roadster (two seats) isn’t an option. But even if the convertible you’re eyeing has four seats, hop in back and check the comfort level. If you aren’t comfortable, your passengers probably won’t be, either.

Special features  

Convertible Top Down

According to Edmunds.com, there are certain features that truly make a difference in convertibles, such as wind deflectors, heated/cooled seats and sun-reflective upholstery. Certain features, such as heated seats, can make your convertible much more comfortable to drive on cooler days in Spartanburg, South Carolina.

Above all, you’ll want to choose the convertible that best fits how you’ll use it. If you’re lugging golf clubs (and golf buddies) around in the summer, you probably don’t want a roadster. Conversely, if your idea of a great weekend is to toss a duffle bag in the passenger seat and hit the road, smaller may be better.

One of the great – and annoying – things about buying a car is the sheer number of options out there. But if you get frustrated, remember one thing: You’re buying a convertible. Your friends are probably envious!

And when you buy that convertible, give us a call. We’ll make sure you’ve got the right coverage – and we’ll probably be envious, too!

By Doug Stockman April 8, 2025
TL;DR: Car Insurance Breakups (Cancellations) Happen: Reasons for Cancellation: Poor driving record, dishonesty, non-payment, moving, or high risk. Don't Panic: You have options even if dropped. Find Out Why: Understand the reason for cancellation. Shop Around: Use an independent agent to find new coverage. Improve Your Situation: Clean up your driving or dispute unfair cancellation. Car Insurance Breakups (Cancellations) Happen: You've Been Dumped! (By Your Car Insurance? Seriously?) Ah, the sweet, sweet security of car insurance. That warm, fuzzy feeling of knowing someone's got your back when you accidentally introduce your bumper to a mailbox. But what happens when they decide to break up with you? Can your car insurance company just...ghost you? Let's dive into this awkward relationship dynamic with a dash of humor and a whole lot of respect. The "It's Not You, It's Me" Speech (Insurance Edition) Yes, folks, car insurance companies can drop you. It's like a bad breakup, only instead of returning your mix CDs, they're canceling your policy. And just like any good breakup, they usually have their reasons (even if they sound like they were written by a robot). Common Reasons You Might Get the Boot: The "Lead Foot of Doom" Award: A string of speeding tickets, accidents, or reckless driving citations? You've basically written a love letter to higher premiums, and now they’re returning to sender. The "Honesty? What's That?" Clause: Misrepresenting yourself or your driving record is like wearing a fake mustache to a police lineup. They will find out, and it won't be pretty. The "Payment? Oh, Right" Oopsie: Failing to pay your premiums is like forgetting your anniversary. It's a big no-no, and it will hurt the relationship. The "Moving to Mars" Clause: Companies have specific geographic areas, like states, they cover. If you move outside those boundaries, it's like a long-distance relationship that just won't work. The "Risk Factor: Off the Charts" Scenario: Sometimes, even if you’re a saint behind the wheel, if your overall risk profile is deemed too high, they might cut you loose. What to Do When You Get the "Dear John" Letter: Don't Panic (Too Much): It's not the end of the world. There are other fish in the insurance sea. Ask Why: Get the lowdown on the reason for the cancellation. It's your right to know. Shop Around (With an Independent Agent!): This is where we come in! We can help you find a new policy that fits your needs and budget. We can shop many companies, and find the best fit. Clean Up Your Act: If it was your driving record, start driving like your grandma is watching. Dispute (If Necessary): If you believe the cancellation was unfair, you have the right to dispute it. The Moral of the Story: Communication is Key Like any relationship, communication is vital. Be honest, pay your bills, and drive safely. And if you’re ever feeling unsure, talk to your friendly neighborhood independent insurance agent (that’s us! Select Source Insurance ). We’re here to help you navigate the sometimes-rocky road of car insurance. In Conclusion: Don't Let Insurance Dump You! Getting dropped by your car insurance is a bummer, but it doesn't have to be a tragedy. With a little knowledge and a good agent on your side, you'll be back on the road to insurance bliss in no time. And remember, driving safely is like sending your insurance company flowers – it always helps.
By Doug Stockman April 8, 2025
TL;DR Current Trends: Insurance costs are rising due to distracted driving, expensive car technology, inflation, and extreme weather. Potential Reductions: Self-driving cars, improved safety tech, and good driving habits could lower costs in the future. Reality Check: Don't expect dramatic price drops soon. Actionable Advice: Get Quotes from independent insurance agencies and ask about discounts. Agency Recommendation: Regularly review your policy and consider an independent agency to compare rates. The Great Car Insurance Descent: Will It Ever Happen? (Spoiler: We Need More Unicorns) Ah, car insurance. That ever-present financial companion, like a slightly judgmental friend who constantly reminds you of your potential for vehicular mayhem. We all dream of that magical day: "Car insurance rates… plunging!" But is it a dream, or a distant, fuel-efficient reality? Let's explore this with a wink and a nod. The Upward Trend: A Comedy of Errors First, let's acknowledge the elephant in the rearview mirror: car insurance rates have been doing a stellar impression of a rocket launch. Why? Well, it's a multi-act play: Distracted Driving: The Modern-Day Joust: We're battling our phones, our snacks, and the existential dread of rush hour. Insurance companies see this as a high-stakes, low-skill jousting tournament. Technology: The Double-Edged Sword: Cars are smarter, but repairs are pricier. A fender bender can now involve replacing a computer chip that costs more than your first car. Inflation: The Uninvited Guest: Everything's more expensive, including medical bills and car parts. Insurance companies aren't immune to this, sadly. Weather: Mother Nature's Demolition Derby: Hailstorms, floods, and the occasional rogue tornado are turning cars into abstract art. Insurance companies are footing the bill. The Hopeful Horizon: A Comedy of (Potential) Wins Now, let's inject some optimism, shall we? There are a few scenarios where your premiums might take a chill pill: Autonomous Vehicles: The Robotic Revolution (Maybe): If self-driving cars become the norm, accidents should decrease. But we're still waiting on those robot overlords to prove they can parallel park. Improved Safety Technology: The Guardian Angels of the Road: Advanced safety features like automatic braking and lane departure warnings are making roads safer. If this trend continues, insurers might reward us. You: The Model Citizen: A clean driving record, a good credit score, and bundling your policies? You're basically a superhero in the eyes of insurance companies. The Bottom Line: Don't Hold Your Breath (But do check with your local independent insurance agent like Select Source Insurance ) Will car insurance go down? Maybe, someday, when unicorns roam free, and traffic jams turn into synchronized dance numbers. Until then: Shop around: Independent agencies (like us!) can compare rates from multiple insurers. Drive safely: Be the hero your insurance company deserves. Ask about discounts: You might be surprised at what you qualify for. Regularly review your coverage: Life changes, and so should your insurance. In conclusion, while we can't predict the future, we can control our own driving habits and insurance choices. So, drive safe, shop smart, and keep dreaming of those mythical low premiums. And if you see a unicorn, tell it to talk to your insurance agent.
A woman with a speech bubble that says do i have enough
By Doug Stockman April 8, 2025
TL;DR: The Great Insurance Showdown - Finding True Value, Not Just "Cheapest" "Cheapest" is a myth: No single insurance company is always the lowest due to varied risk calculations. Factors matter: Driving record, location, vehicle, age, credit, and coverage levels all impact premiums. Higher limits = lower long-term costs: Skimping on coverage can lead to massive out-of-pocket expenses after an accident. Shop around and bundle: Independent agencies like Select Source can compare multiple quotes and find discounts. Focus on value, not just price: Optimal coverage and service are more important than the absolute lowest premium. The Great Insurance Showdown: Unmasking the "Cheapest" Champion (Spoiler: It's Complicated) Ah, the age-old question that plagues every budget-conscious driver: "Which insurance is the cheapest?" At Select Source Insurance, we hear this daily, and honestly? It's a bit like asking, "Which flavor of ice cream is the best?" It depends! (And sometimes, you want a weird mix of flavors that no one else understands.) Let's ditch the clickbait and dive into the real deal about finding the most affordable car insurance. The cheapest may not be the lowest cost. The Myth of the "Cheapest" Company There's no single insurance company that consistently offers the lowest rates for everyone. Why? Because insurance companies are like an actual snowflake, as no snowflakes are exactly the same, each one calculates risk differently. They consider a dizzying array of factors, including: Your Driving Record: Speeding tickets? Accidents? Yeah, those don't help. Your Location: City dwellers often pay more than rural residents due to higher traffic density. Your Vehicle: A flashy sports car? Expect higher premiums. A sensible sedan? You're in a better spot. Your Age and Experience: Young drivers typically pay more, but even seasoned drivers can see fluctuations. Your Credit Score: In most states, a good credit score translates to lower premiums. Coverage Levels: Minimal coverage? Lower premium. Maximum coverage? Higher premium. Doesn't always mean "lowest cost". Why Should I carry higher limits? Cheapest may not be the lowest cost. Alright, picture this: you've just turned your beloved sedan into a not-so-beloved bumper car, and unfortunately, it's your fault. Now, if you have selected state minimum liability limits or other lower limits, your insurance coverage is as thin as a slice of deli ham, prepare for a financial rollercoaster. Your insurance company might politely wave goodbye after covering their limit, leaving you to foot the rest of the bill for damages to others or for yourself. We're talking medical expenses that could rival a hospital's annual budget, and property damage that might make a demolition crew blush. Suddenly, your assets become a hot commodity, with the injured party's lawyer eyeing your savings, your house, and possibly your prized collection of vintage rubber ducks. So, while you might have saved a few bucks on premiums, you may now be paying for everyone's pain and suffering, and possibly their future therapy bills. It's a humbling and painful experience. Are the cheapest rates really the best? So, What Can You Do? Instead of chasing the elusive "cheapest" company, focus on these strategies: Shop Around (and Let Us Help!): This is where independent agencies like ours shine. We don't represent just one company. We have access to multiple insurers, allowing us to compare quotes and find an optimal deal. Bundle Your Policies: Insuring your car and home or renters' policy with the same company often results in significant discounts. Increase Your Deductible: A higher deductible means lower premiums, but make sure you can comfortably afford it. 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At Select Source Insurance, we're here to help you navigate the complexities of car insurance and find a policy that fits your budget and needs. We'll shop around, compare quotes, and explain your options in plain English. Don't waste time searching for the mythical "cheapest" insurance. Contact us today for a free quote at 864-585-8318 or Auto Insurance Quote Request Online and let us do the legwork for you! We'll find you the best value, not just the lowest price.
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