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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 aim is to assist you make better financial choices by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and evaluate information at no cost — so you can make decisions about your finances without trepidation. Bankrate has agreements with issuers including, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this site are from companies who pay us. This compensation can affect the way and where products are displayed on this site, including such things as the order 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 or home equity products, as well as other products for home loans. But this compensation does affect the information we publish, or the reviews appear on this website. We do not include the universe of companies or financial deals that could be accessible to you. SHARE Vasily Pindyurin/Getty Images

4 min read Published 7 March 2023.

Kellye Guinan Kellye Guinan. Written personal and business finance contributor Kellye Guinan is an editor and writer freelance with more than five years’ experience in personal finance. She is also employed full-time at the local library, where she assists people in her community gain access to information on financial literacy, as well as other subjects. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain confidence to take control of their finances through providing precise, well-studied and well-researched data that breaks down complicated topics into manageable bites. The Bankrate promise

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There are money-related questions. Bankrate has the answers. Our experts have been helping you master your finances for more than four years. 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 information is trustworthy and reliable. Our award-winning editors, reporters and editors provide honest and trustworthy content that will help you make the best financial decisions. Our content produced by our editorial team is truthful, impartial, and not influenced through our sponsors. We’re open about how we are capable of bringing high-quality information, competitive rates and helpful tools to you , by describing how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for placement of sponsored products or services, or when you click on certain hyperlinks on our site. This compensation could influence the manner, place and in what order items are listed in the event that they are not permitted by law. We also offer mortgage home equity, mortgage and other home loan products. Other elements, such as our own website rules and whether the product is available in your region or within your self-selected credit score range may also influence how and where products appear on this site. We strive to provide an array of offers, Bankrate does not include information about every credit or financial products or services. The colder winters in the United States often results in less traffic to auto dealers , and more pressure to meet sales quotas. Dealers typically receive the new model year at the close of summer, they are eager to clear the previous model year off the lot. By timing your purchase for the winter months, you might benefit from the benefits of lower sales. If you’re in the market to buy a car right now and you’re interested in a car, you could benefit from a car market that is slowly recovering from the pressures from the pandemic. Vehicle supply levels have increased following the shortage of microchips that slowed production of new vehicles and caused prices to skyrocket. As inventory increases, prices are beginning to descend. But deals and incentives aren’t as popular as they were prior to the outbreak and therefore, deciding when to buy carefully can prove beneficial. Dealerships are trying to achieve quotas. It’s not a secret that dealers operate on monthly and annual limits. These influence bonuses and commissions given by both the dealership owner and manufacturers that the dealership partners with. This is the reason why the last day of the year is often the . Salespeople are not only in a rush to meet their monthly targets as well, they’ll also need to make last-minute deals for the end of the financial year. Of of course, not every business follows a Jan- December financial plan. But in general it is possible make use of the system to negotiate a deal. End-of-year sales Franchise dealerships — dealers that have a direct relationship with a manufacturer — can offer deals on new vehicles that are in the model year currently. However, year-end sales are typical regardless of a dealership’s franchise or independent status. As dealers try to reach sales targets which can be very high, you could see significant decreases in the cost of your car alongside rebates. If you’re not a skilled bargainer, you should take advantage of the winter sales. It may help you get an excellent deal. You could get a great interest rate Applying for a car loan at the right time of year can also help you secure a good interest rate. Reach out to multiple lenders and request interest rate quotes to ensure you’re getting the most favorable deal. Even even if you’ve got a low credit score, it’s possible to obtain an auto loan. The fact that you have a credit score will help increase the chances to get you loan approved. Be aware of the following when looking for car loans Learn about loan kinds and . Make an effort to negotiate the best conditions. Receive all promises in writing. Know the details. There are fewer shoppers cold winter months and the busy holiday season tend to hinder people from visiting car dealerships. And slow dealership traffic extends into January and February, making them great months to shop for a new car, according to Mike Quincy, auto tester and writer for Consumer Reports. It doesn’t matter what season. Quincy suggests that you find out what the dealer cost is and work up from there, rather than down from the sticker price. «You’re probably going to be a much more enthralled crowd for salespeople during the winter months because there aren’t many people around,» Quincy says. «These strategies should work.» There are new models being released Dealers usually begin receiving new models around the close of summer or at the beginning of autumn. That means the current model-year vehicles which haven’t been removed from the lot have a depreciation in value. «A used model can be a good deal if you’re the kind of person who drives their car into the ground» Quincy says, noting that could be 100,000 to 100,000 miles. Even if you’re waiting for the latest models to arrive is worthwhile. After all, depreciation is still a major factor. It will still be as good, but you might be able negotiate a lower price because this is an old model. Winterized options may be available Part of your negotiation strategy must include winterizing your vehicle. Beyond comfort elements, such as heated seats and steering wheels, focus on winter wipers and snow tires as part of the total package. «If you’re unwilling to make the investment, your safety is being compromised,» says Lauren Fix Car expert and editor-in-chief of Car Coach Reports. The cars with the most powerful tires may not fare as well on snowy roads. The cost of snow tires is usually the same as all-season tires, however there are additional charges associated with the installation of these tires when purchasing a car. It’s also a great opportunity to try out the car you’re thinking of buying. This is particularly true if you live in regions where winter weather is prevalent. When you test your driving skills with snow or slush on the ground you will be able to gauge what it’s like to drive the car in the worst conditions. When to wait until spring Winter can be a good opportunity to score a bargain bargain, but it’s certainly not the only moment to shop. If you’re ready to negotiate prices and , it might be a good idea to put off until spring or later to begin your search. Most of the manufacturer deals are on new cars If you’re buying used, there’s no need to shop in winter. Plus it’s not a good idea to get caught in snowy or cold weather when your car you’re buying isn’t winterized to the best of its ability. If you’re searching for a used car through a private sale it’s less likely to get bargains during winter. It may also be harder to set up a meeting to examine the vehicle. Car shopping in warmer climates could be worse in winter since the weather is more pleasant. The majority of advice suggests that you reside in a region with an extremely cold winter. Therefore, it is best to wait until temperatures climb in the spring before going out to shop. If you have a the chance to use a winter bonus that can be used for a substantial down payment, hold off until spring. In the end, the less amount you’ll need to withdraw to pay for your mortgage, the less you’ll spend in the end, even if you don’t get the bigger winter deals. It may seem counterintuitive, but dealerships will start receiving 2024 models by the end of 2023. If you’re interested in an 2023 model, hold on until the end of summer. So, dealers are selling the 2024 model and you’ll find a great deal on the «old» version year. In the end purchasing a car during the winter will help you find a lower price. With a low amount of pedestrians and a shift to new inventory, there is 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 or credit score and shop around for the best deal. Learn how your interest rate will affect your monthly payments and total car loan cost using our .

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Written by Personal and business Finance writer Kellye Guinan is a freelance editor and writer who has more than 5 years experience working in the field of personal finance. She is also employed full-time at the local library where she helps people in her community get information about financial literacy, in addition to other topics. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are enthusiastic about helping readers gain the confidence to manage their finances by providing concise, well-studied information that breaks down otherwise complicated topics into digestible pieces.

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