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why is it so expensive to insure my car because it has a soft top? I drive a Saab Convertible sports car, it is fully alarmed and has a lot of safety features. So why do my premiums come in higher than the average vehicle?

Insurance premiums are based on a number of factors. Your Saab Convertible is likely to attract a high premium for a combination of reasons. Firstly, convertible soft tops are prone to vandal damage, secondly parts for niche brand European cars such as Saab are expensive and can be hard to procure, and thirdly, if it is a performance model such as a Turbo, it will fall into a higher category too.