Cheapest 1990 Buick Reatta Insurance Rates in 2023

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 26, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Trying to find better car insurance rates for your Buick Reatta? Searching for better insurance prices for a Buick Reatta can normally be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to find car insurance online so we’re going to tell you the best way to get price quotes for a Buick and get the lowest possible price.

If you have insurance now or are shopping for new coverage, you can learn to cut your premiums while maximizing coverage. Shopping for the cheapest car insurance coverage is quite easy. Consumers just need to understand the tricks to compare price quotes online.

Comparison of Insurance

Shopping for lower insurance rates can take hours if you don’t utilize the best way to get rate quotes. You can waste hours talking about coverages with agents in your area, or you can stay home and use the internet to quickly compare rates.

Most major companies participate in a marketplace where insurance shoppers enter their coverage request one time, and every company then gives them pricing based on the submitted data. This saves time by eliminating repetitive form submissions to each individual insurance company.

To find out how much you can save on insurance click here to start a free quote.

One minor caviat to pricing coverage this way is buyers cannot specifically choose the companies you want pricing from. So if you want to select from a list of companies to compare prices, we put together a list of companies who write insurance in your area. Click here to view list.

Whichever way you use, compare apples-to-apples quote information with every price quote. If you use different deductibles it will be next to impossible to determine which rate is truly the best.

Pay less by taking advantage of these five discounts

Car insurance companies don’t always advertise every available discount in an easy-to-find place, so we break down both the well known and the harder-to-find auto insurance savings. If they aren’t giving you every credit available, you are throwing money away.

  • Multiple Cars – Buying coverage for all your vehicles with the same company qualifies for this discount.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
  • Drive Safe and Save – Safe drivers may save up to 50% more on Reatta coverage than drivers with accident claims.
  • Early Signing – A few companies offer discounts for buying a policy before your current expiration date. This can save 10% or more.
  • Multi-policy Discount – If you have multiple policies with one insurance company you may save approximately 10% to 15%.

Keep in mind that most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you could get a free auto insurance policy, you won’t be that lucky.

For a list of insurers with discount auto insurance rates, click this link.

Your coverage should be tailored to you

When it comes to choosing coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if you would benefit from an agent’s advice.

  • How much liability coverage do I need in my state?
  • Does insurance cover damages from a DUI accident?
  • Is business equipment covered while in my vehicle?
  • Do I need an umbrella policy?
  • Does coverage extend to Mexico or Canada?
  • Does coverage extend to my business vehicle?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Car insurance coverage information

Knowing the specifics of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Buick Reatta.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision coverage – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, crashing into a building and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Auto liability – This coverage can cover injuries or damage you cause to people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property.

Liability coverage pays for claims such as repair bills for other people’s vehicles, repair costs for stationary objects and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for bills for X-ray expenses, prosthetic devices and hospital visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as theft, hail damage, fire damage and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Be a Smart Shopper

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There are many occasions where an insured cut physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage at the best price, not the least amount of coverage.

People change insurance companies for a variety of reasons including delays in responding to claim requests, extreme rates for teen drivers, being labeled a high risk driver and lack of trust in their agent. It doesn’t matter what your reason, finding a new insurance coverage company is actually quite simple.

Affordable 1990 Buick Reatta insurance can be bought from both online companies in addition to many insurance agents, so compare prices from both to have the best rate selection. A few companies do not provide online quoting and these small insurance companies work with independent agents.

More resources

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

What factors can affect the insurance rates for a 1990 Buick Reatta?

Several factors can influence the insurance rates for a 1990 Buick Reatta, including:

  • Age and condition of the vehicle: Older vehicles like the 1990 Buick Reatta may have lower values, which can affect insurance rates.
  • Location: Your location can impact insurance rates, as areas with higher rates of accidents or theft may have higher premiums.
  • Driving record: Your driving history, including accidents and traffic violations, can affect the cost of your insurance.
  • Coverage options: The coverage options you choose, such as liability-only or full coverage, will impact your insurance rates.
  • Insurance company: Each insurance company has its own rating methodology, discounts, and pricing, so rates can vary between insurers.

How can I find the cheapest insurance rates for a 1990 Buick Reatta?

To find the cheapest insurance rates for a 1990 Buick Reatta, consider the following steps:

  1. Shop around: Obtain quotes from multiple insurance companies to compare prices and coverage options.
  2. Maintain a good driving record: Safe driving habits can help you qualify for lower insurance rates. Avoid accidents and traffic violations to keep your record clean.
  3. Choose higher deductibles: Opting for higher deductibles can lower your premiums, but remember that you’ll need to pay the deductible amount out of pocket if you file a claim.
  4. Inquire about discounts: Ask insurance companies about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for certain safety features in your car.
  5. Consider bundling insurance: If you have other insurance policies, such as home or renter’s insurance, consider bundling them with your auto insurance for potential discounts.

Are there any specific insurance companies known for offering cheap rates for a 1990 Buick Reatta?

While insurance rates can vary depending on individual factors, some insurance companies known for offering competitive rates for older vehicles like the 1990 Buick Reatta include Geico, Progressive, State Farm, and Allstate. However, it’s important to compare quotes from multiple insurers to find the best rates for your specific circumstances.

Can I get classic car insurance for a 1990 Buick Reatta?

Classic car insurance is typically designed for vehicles that are 20-25 years or older and have historical or collector value. While a 1990 Buick Reatta may not qualify as a classic car, you may be able to find specialized insurance coverage for older vehicles through certain insurers. It’s advisable to inquire with insurance companies that offer classic car insurance to see if they provide coverage for your 1990 Buick Reatta.

Are there any specific maintenance or safety features that can help lower insurance rates for a 1990 Buick Reatta?.

While a 1990 Buick Reatta may not have the advanced safety features found in newer vehicles, there are still some maintenance and safety features that can potentially lower insurance rates, including:

  • Regular maintenance: Keeping your vehicle well-maintained and up to date with service intervals can help reduce the risk of mechanical failures that may lead to accidents.
  • Anti-theft devices: Installing anti-theft devices such as alarms or immobilizers can help prevent theft and may qualify you for a discount on your insurance premiums.
  • Defensive driving course: Completing a defensive driving course can demonstrate your commitment to safe driving and may make you eligible for a discount from some insurance companies.

Can I reduce coverage on a 1990 Buick Reatta to save on insurance costs?

Reducing coverage on a 1990 Buick Reatta is an option to save on insurance costs, but it’s important to carefully consider the implications. Here are a few points to keep in mind:

  • Liability coverage: It is generally not recommended to reduce liability coverage, as this protects you financially if you cause an accident that results in property damage or injury to others.
  • Collision and comprehensive coverage: If the value of your 1990 Buick Reatta is low, you may consider reducing or removing collision and comprehensive coverage. However, keep in mind that doing so means you won’t be covered for damages to your own vehicle in the event of an accident, theft, or other covered incidents.
  • Financial risk: Before making any changes to your coverage, assess your financial situation and determine how much risk you’re willing to assume. Consider the potential cost of repairing or replacing your vehicle without insurance coverage.

Can I insure a modified 1990 Buick Reatta?

Insuring a modified 1990 Buick Reatta may be possible, but it can vary depending on the modifications made to the vehicle. Some insurance companies may have restrictions or limitations on insuring heavily modified vehicles, while others may offer specific coverage options for modified cars. It’s important to inform your insurance company about any modifications to your 1990 Buick Reatta and inquire about their policies regarding coverage for modified vehicles.

What are some additional factors to consider when insuring a 1990 Buick Reatta?

When insuring a 1990 Buick Reatta, there are a few additional factors to consider:

  • Replacement parts: As the vehicle is older, availability and cost of replacement parts may be a factor in determining insurance rates.
  • Usage and mileage: Your annual mileage and usage of the vehicle may impact your insurance rates. If you only drive the car occasionally or keep it as a collector’s item, you may be eligible for lower rates.
  • Agreed value coverage: For classic or older vehicles like the 1990 Buick Reatta, you may consider agreed value coverage, which ensures that you receive a predetermined amount in the event of a total loss, rather than the actual cash value of the car.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption