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Why buying a car in winter is a smart move Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial choices by offering you interactive tools and financial calculators as well as publishing impartial and original content. This allows users to conduct research and compare data for free – so that you can make financial decisions with confidence. Bankrate has partnerships with issuers including, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this site come from companies who pay us. This compensation can affect the way and where products are displayed on this website, for example for instance, the order in which they appear in the listing categories and other categories, unless prohibited by law for our mortgage, home equity and other home loan products. But this compensation does not influence the information we publish, or the reviews you read on this site. We do not contain the entire universe of businesses or financial offers that may be accessible to you. SHARE Vasily Pindyurin/Getty Images

4 minutes read Read Published on March 7, 2023.

Writer: Kellye Guinan Written by Personal and business finance writer Kellye Guinan is a freelance editor and writer with more than five years’ experience in personal financial. She also is an employee full-time at her local library, helping the community to access information on financial literacy, in addition to other subjects. Written by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate from late 2021. They are passionate about helping readers gain the confidence to take control of their finances with precise, well-studied and well-researched data that breaks down complex topics into manageable bites. The Bankrate guarantee

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If you have questions about money. Bankrate has the answers. Our experts have helped you understand your finances for more than four decades. We strive to continuously give our customers the right guidance and tools required to succeed throughout life’s financial journey. Bankrate adheres to a strict code of conduct standard of conduct, which means that you can be sure that our content is truthful and accurate. Our award-winning editors and journalists produce honest and reliable content that will help you make the right financial choices. The content created by our editorial team is objective, factual and uninfluenced from our advertising. We’re transparent about how we are capable of bringing high-quality content, competitive rates, and useful tools for you by explaining how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for the placement of sponsored products and, services, or by you clicking on specific links on our website. This compensation could affect the way, location and in what order items appear in listing categories, except where prohibited by law. We also offer mortgage or home equity products, as well as other products for home loans. Other elements, such as our own proprietary website rules and whether a product is available in the area you reside in or is within your personal credit score can also impact the manner in which products are featured on this website. We strive to provide the most diverse selection of products, Bankrate does not include the details of each credit or financial product or service. In colder climates, winter means less customers at dealerships and greater pressure to sell quotas. Since dealers usually get the next model year at the close of summer, they are eager to clear the model year that was previously sold off the market. If you plan your purchase to buy it for winter you may be able to take advantage of slow sales. If you’re looking to buy a car right now it is possible to benefit from a car market that is slowly recovering from the pressures from the pandemic. Car supply levels have increased following the recent microchip shortage that slowed new vehicle manufacturing and caused prices to shoot up. As inventory improves and prices begin to descend. But incentives and deals aren’t as prevalent as they were prior to the pandemic, so timing your purchase well can be beneficial. Dealerships are trying to achieve quotas. It’s not a secret that dealers operate on monthly and annual limits. They are influenced by commissions and bonuses given by both the owner of the dealership and the manufacturers that the dealership partners with. This is the reason why the last day of the year is often the . Not only are salespeople being pressured to hit their monthly targets as well, they’ll also need to secure last-minute sales before the final day of the fiscal year. Of obviously, not every dealer operates on a January to December financial calendar. But in general it is possible utilize the system to better negotiate an agreement. End-of-year sales Franchise dealerships -dealers with a direct relationship with a manufacturer might offer new cars starting from the current model year. However, year-end sales are typical regardless of the dealer’s franchise status or independent status. Since dealers are trying to meet sales quotas, you might see big decreases in the cost of your car alongside rebates. If you’re not an effective negotiator, make use of winter sales. They can help you negotiate an excellent deal. It is possible to secure a favorable rate of interest by applying for a car loan in the right time of the year can help you secure a good interest rate. Get in touch with several lenders and ask for rates to make sure you are getting the best price. Even even if you’ve got a low credit score, it is possible to still get an auto loan. The fact that you have a credit score will help increase in getting your loan approved. Be aware of the following when shopping for auto loans Consider researching loan kinds and . Negotiate for the best conditions. Get all promises written down. Understand the fine print. A smaller number of people are shopping cold winter months and the busy holiday season often prevent people from going to car dealers. The slow traffic at dealerships extends into January and February, which makes these months ideal for shopping for a new car, according to Mike Quincy, auto tester and writer with Consumer Reports. The regardless of the time of year. Quincy suggests that you find out the price of the dealer and work up from there, rather than down from the sticker price. “You’re likely to have a larger audience for a salesman when you go in the winter months because they aren’t surrounded by people,” Quincy says. “These tactics should be effective.” The latest models are being released Dealers usually begin receiving new models towards the close of summer or at the beginning of the fall. That means the current model-year vehicles which haven’t been driven off the lot have depreciated in value. “A left-over model can be a good deal for the person who drives their car into the ground,” Quincy says, noting the range could be between 100,000 and 200,000 miles. And even if , waiting for the latest models to hit the lot is worth it. In the end, depreciation will still take its toll. The car will still be as nice, however, you may be able to get a better deal due to the fact that this is an old model. There are options for winterization. Part of your negotiation strategy should be to include winterizing your vehicle. Beyond comfort factors, like heating seats or steering wheels concentrate on winter wipers and snow tires as part of the total package. “If you’re not willing to invest in these items the safety of your family is at risk,” says Lauren Fix, car expert and editor-in-chief of Car Coach Reports. Vehicles equipped with high-performance tires might not fare as well on snowy roads. They typically cost the same as all-season tires, but there may be additional charges associated with the installation of these tires when purchasing an automobile. Winter is also a great time to drive around in the car you’re thinking of buying. This is especially true if you live in regions that experience wintry weather conditions. When you test your driving skills with snow or slush, you can gauge the driving experience the car in the worst conditions. What is the best time to wait until spring? Winter can be a good time to get a good deal, but it’s not the only occasion to shop. If you’re prepared to negotiate the price and , it might be a good idea to wait until spring or later to start shopping. The majority of manufacturer offers are on new cars, so if you’re buying used, there’s not much reason to go shopping in winter. Additionally it’s not a good idea to get caught in snowy or freezing temperatures when your car you’re buying isn’t properly winterized. If you’re looking for a used car through an auction and you’re not likely to find deals in winter. It may also be harder to set up a meeting to examine the vehicle. Car shopping in warmer climates could be more difficult in winter because the weather is typically more comfortable. Most advice anticipates you live somewhere with an extremely cold winter, which is why you may want to wait until the temperatures climb in the spring to go shopping. If you have a winter bonus that can be used for a substantial down payment, wait until spring. After all, the less money you need to spend and the less you’ll pay in the end, even if it means you missed the larger winter sales. It might seem odd, but dealerships will start receiving 2024 models in late 2023. If you’re looking for a 2023 model, hold on until the end of summer. So, dealers are pushing the 2024 model, and you’ll be able to find a great deal in comparison to the “old” models. In the end purchasing a car during the winter months can help you find a lower price. With less pedestrian traffic and a shift towards new inventory, you’ll have plenty of time to negotiate a reasonable price. It is crucial to calculate the amount you can afford to spend on a car before applying for an auto loan, check your credit score and compare for the most competitive price. Learn how interest rates can impact your monthly payment and the total car loan cost using our .

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Written by personal and business Finance Contributor Kellye Guinan is a freelance editor and writer with more than five years ‘ experience within personal financial. She’s also employed full-time at the local library, where she assists people in her community get information about financial literacy, as well as other topics. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers gain the confidence to control their finances by providing concise, well-studied details that cut complex subjects into bite-sized pieces.

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