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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 mission is to help you make smarter financial decisions by providing you with interactive financial calculators and tools, publishing original and objective content. This allows you to conduct your own research and compare data without cost, so that you can make financial choices without trepidation. Bankrate has agreements with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn money The products that appear on this website are provided by companies that pay us. This compensation may impact how and where products appear on the site, such as for instance, the sequence in which they be listed within the categories of listing in the event that they are not permitted by law. This applies to our mortgage, home equity and other home lending products. This compensation, however, does have no impact on the information we publish, or the reviews you see on this site. We do not cover the vast array of companies or financial offers that may be open to you. Share: Vasily Pindyurin/Getty Images
4 min read Published March 07, 2023
Kellye Guinan Kellye Guinan. Written personal and Business Finance writer Kellye Guinan is an editor and writer on a freelance basis with more than five years of experience in personal finance. She is also an employee full-time at her local library, where she assists people in her community gain access to information on financial literacy, as well as other topics. Written by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate from late 2021. They are dedicated to helping readers gain the confidence to take control of their finances by providing clear, well-researched information that breaks down otherwise complex subjects into bite-sized pieces. The Bankrate promises
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We are compensated in exchange for the placement of sponsored products or services, or when you click on specific links on our website. Therefore, this compensation may affect the way, location and in what order items are listed, except where prohibited by law for our mortgage or home equity products, as well as other products for home loans. Other factors, such as our own proprietary website rules and whether a product is available within your region or within your personal credit score could also affect the way and place products are listed on this website. Although we try to offer an array of offers, Bankrate does not include details about each credit or financial products or services. The colder winters in the United States often means less foot traffic at dealerships and greater pressure to reach sales targets. Since dealers usually get the next model year towards the close of summer, they are eager to move the previous model year off the market. By timing your purchase for the winter months, you could benefit from the benefits of the slowing sales. If you're in the market to buy a car right now, you may also benefit from a car market that is recovering from the pressures from the pandemic. Car supply levels have been increasing after the shortage of microchips, which reduced the production of new vehicles and led prices to skyrocket. As inventory levels rise the prices are beginning to fall. But deals and incentives aren't as popular than they had been prior to outbreak and therefore, deciding when to buy 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 provided by 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 most lucrative time for sales . Not only are salespeople being pressured to hit their monthly quotas as well, they'll also need to snag last-minute sales for the final day of the financial year. Of obviously, not every dealer is operating on a January-to- December financial calendar. However, in general you might be able to use the system to better negotiate an agreement. Sales at the end of the year Franchise dealerships- dealers that have a direct relationship with a manufacturer -- may offer on new cars starting from the current model year. But sales at the end of the year are not uncommon regardless of a dealership's franchise or independent status. Because dealers are trying to meet sales quotas which can be very high, you could see significant decreases in the cost of your car along with rebates. If you're not an effective negotiator, make use of sales during winter. This could help you secure the best bargain. You could get a great rate of interest. Taking out a car loan in the right season can aid in obtaining a favorable interest rate. Get in touch with several lenders and request interest rates to ensure you are getting the best offer. Even having a less than stellar credit score, it is possible to obtain the auto loan. The fact that you have a credit score will help increase the chances to get your loan approved. Be aware of the following when you are shopping for car loans Learn about loan types and . Find the most favorable conditions. Receive all promises in writing. Understand the small print. There are fewer shoppers cold of winter and a busy holiday season can keep people from car lots. Also, the slow pace of dealership traffic continues into January and February, which makes the perfect months to shop for a car, says Mike Quincy, auto tester and writer at Consumer Reports. No matter the season. Quincy recommends that you know what the dealer cost is and then work your way up from there, instead of going down from the price of the sticker. "You're just probably going to have a more captive crowd for salespeople when you visit during the winter because there aren't many people around," Quincy says. "These techniques should be successful." There are new models coming out. Dealers usually begin receiving new models at the end of summer or the beginning of the fall. This means that cars from the model year that have never been removed from the lot have a depreciation in value. "A used model, in general, could be worth it for the person who drives their car into the ground," Quincy says, noting that it could range from 100,000 to 200 miles. And even if , waiting for the latest models to hit the lot is worthwhile. After all, depreciation will continue to take its toll. The car will still be as great, however you might be able to negotiate a lower price because this is an old model. The winterized options are available. Part of your negotiation strategy should include winterizing your car. Beyond the comfort features, such as heated seats and steering wheels, focus the winter-ready wipers, snow tires and other features as a part of the overall package. "If you're not prepared to invest in these items, your safety is being threatened," says Lauren Fix the car expert and editor-in chief of Car Coach Reports. The cars with the most powerful tires may not be as safe on icy roads. Snow tires typically cost the same as the all-season tires however, there could be extra charges for the installation of these tires when purchasing a car. Winter is also a great time to test drive the car you're thinking of buying. This is especially true for those who live in areas where winter weather is prevalent. By test driving with snow or slush on the ground you can gauge what it's like to drive the car in the worst conditions. What is the best time to wait until spring? The winter months can be a great time to grab a great price, but it's not the only time to shop. If you're prepared to negotiate prices and , it might be a good idea to hold off until spring, or even later, to begin shopping. Most of the manufacturer deals are for new cars If you're buying second-hand, there's no reason to go shopping in winter. Additionally it's not a good idea to be caught in cold or freezing temperatures if your used car isn't winterized to the best of its ability. If you're looking for a used car through an auction and you're not likely to find deals in winter. It might also be more difficult to arrange a private appointment to look over the vehicle. Car shopping in warmer climates could be worse in winter since the weather is more pleasant. Most advice anticipates you live somewhere with a cold winter, so you might want to wait until temperatures rise in the spring before you go out shopping. If you have a an incentive for winter that could be used to make a large down payment, wait until spring. After all, the less money you need to take out, the more you'll save overall , even if you miss the more substantial winter deals. It may seem counterintuitive, but dealerships will start receiving 2024 models in late 2023. If you're looking for a 2023 model, hold up until the summer of. This way, dealers are pushing the 2024 model, and you can get a good deal on the "old" model year. The bottom line In general, buying a car in the winter months can help you get a better price. With low foot traffic and a shift to new inventory, there is plenty of time to negotiate a good price. It is important to figure out the amount you can afford to pay for a car prior to applying for a car loan, check your credit score and compare for the most competitive price. Find out how the interest rate will affect your monthly payments and the total cost of your car loan cost using our .
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Written by personal and business finance writer Kellye Guinan is a freelance editor and writer with more than 5 years experience working in the field of personal financial planning. She also is an employee full-time at her local library where she helps her community access information about financial literacy, among other subjects. The article was edited 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 confidence to take control of their finances with clear, well-researched details that cut complicated topics into digestible pieces.
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