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12 Tips to Save Big When Car Buying

Updated: Nov 14, 2023

Save $1000s on your next new car!

1. Check your credit. Before you step onto the car lot, pull your credit report. Your credit

score directly impacts the loan interest percent the dealership will offer you. Know where your credit stands in advance to ensure you get the best rate possible. Free tools like CreditKarma will help you check, track, and understand your credit score. They perform a “soft” inquiry on your credit reports, so this will not be reflected on your reports as a credit pull or cause your score to go down in any way.

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2. Save time, research online. Before you go car shopping, compare prices online.

Websites like Edmunds and TrueCar let you read car reviews, view cars for sale and their prices, calculate loan payments, and analyze the dealer’s price.

3. Consider non-local dealers. Check your local dealers, but also check dealers a little

farther away if you’re willing to drive there to buy. Dealerships price their vehicles differently depending upon their location. Remember you can have the vehicle serviced anywhere, so it might be worth a drive to save on the price.

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4. Negotiate, even buy, online. It’s easier than ever to buy a car online. Virtually all

reputable dealerships list current inventory on their websites and third-party sites, and they welcome Internet sales. The process has three significant benefits. 1. You avoid in-person negotiations and maybe even a misstep that results in your paying more than you should. 2. You could end up with a much better final price due to the fundamentally different incentives inherent in the online car-buying process. A showroom salesperson is trying to negotiate the highest price possible, since their commissions are based on a percentage of the sale price. On the other hand, an Internet sales manager typically makes a fixed salary and gets paid a bonus based on volume. 3. Purchasing a car online is more convenient than visiting multiple dealerships.

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5. Time it right. Shop at the end of the month. Dealers are racing to meet manufacturers’

sales targets, motivating them to aggressively close deals. Go the last two days of the month. Even better, shop at the end of the quarter. Many dealerships have quotas to meet at the end of March, June, September, and December. Best of all, shop at the end of the year. Closer to the end of the car-buying year, older models will need to sell to make room for the new year’s models that are coming in. For most manufacturers, this is the fall. Also in December, dealers are eager to make annual sales goals, making end-of-year a good time to buy.

6. Go later in the day. Don’t arrive to the dealership a few minutes before closing, but if

you begin shopping a few hours before closing, the salesperson might be more motivated to close the deal to go home and relax!

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7. Be willing to walk away. If you have your heart set on driving home in your new car,

you’ll be more prone to impulse buying and over spending.

8. Research incentives. Auto manufacturers often give dealerships rebates on certain

vehicles. You might see these advertised on TV or in the paper as cash-back offers of a few thousand dollars off the manufacturer’s suggested retail price, or MSRP. Some incentives stay off the advertising radar, and dealers can offer them at their discretion.

9. Understand the invoice price. If your salesperson shows you the invoice and pleads,

“Right here—that’s what we paid for this car,” it’s likely the truth, but not the whole truth. In addition to making a profit over the invoice price, dealerships earn bonuses and rewards on the number of cars sold from the manufacturer.

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10. Stick with the basics. Most cars come in several trim packages, with increasing prices to

match their increasing options. A fancy high-tech phone synch package may be sexy, but what if it becomes obsolete? Models with high-tech features often have a lower resale value than basic models when it comes to trade-in.

11. Research rates. Before you shop, research auto loan interest rates. You can compare

loans at sites like Monevo. Knowing market rates before you go car shopping will let you know if you’re being offered a good rate. If you have good credit but get a quote for a high interest rate, see if they’ll take a point or two off.

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12. Get preapproved. Consider getting preapproved for a car loan. If you can begin the

negotiation with the salesperson by saying, “I’m preapproved for financing,” it shows you are a serious buyer who garners respect. If you’re a cash buyer, don’t tell the salesperson straight away. Dealers make higher profits on finance deals, so let them bargain the car’s price on this basis. You can then decline the finance deal later in the process.

Customer Testimonial

“I used Bill's car buying tips when I purchased my new Honda Pilot. It worked great: My car buying experience was quick and efficient, and I saved thousands of dollars!”

--Jennifer B in Hellertown, PA

Want even more money-saving, car-buying tips?

For paint protection film and ceramic coating packages, pricing, and more visit us at

About the author: Bill Fetter’s passion for cars started at an early age, as he loved anything with wheels. Through his childhood, Bill observed his dad’s work as a mechanical engineer turned marketing manager and proud lifelong employee of General Motors. During high school, Bill honed his passion for cars by hand-washing and detailing his neighbors’ vehicles. Knowing he wanted to be in the automotive industry, Bill earned a degree in Industrial Engineering from Kettering University in Flint, Michigan. He’s worked as an engineer in the automotive manufacturing, medical device, steel industry, and pharmaceutical manufacturing fields.


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