My parents are debating if I should get a convertible because of the insurance prices being too high, if I get a 2008 VW beetle convertible and I'm 16, will it really be that expensive? The car is used and it costs $7,000.

A convertible is more dangerous than a hardtop in an accident- if you are only 16, chances are you will have an accident or two before you turn 21- there were 35,000 traffic fatalities in the US last year- the New Beetle hardtop is an immensely safe car, I know from personal experience- I gave a red one to my daughter, and she walked away from one bad rear end collision (not her fault, guy plowed into her)- the Beetle was amazing- after it was repaired, she was hit from the side just ahead of the driver's door by a guy who blasted through a red light- that one totaled the car- I am so glad she was in her beetle- I hope you and your parents think about this: being out on the streets is NOT a game- put your daughter in the safest thing you can- and, NO, an SUV is not the safest vehicle