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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 offering you interactive tools and financial calculators as well as publishing impartial and original content. This allows you to conduct your own research and compare information without cost, so that you can make decisions about your finances without trepidation. Bankrate has partnerships with issuers such as, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this site are from companies who pay us. This compensation could affect how and where products are displayed on the site, such as such things as the order in which they appear in the listing categories in the event that they are not permitted by law for our mortgage, home equity and other home loan products. But this compensation does have no impact on the information we publish, or the reviews that you read on this site. We do not include the universe of companies or financial deals that could be available to you. SHARE Vasily Pindyurin/Getty Images

4 min read Published 7 March 2023.

Writer: Kellye Guinan. Written Personal and Business Finance writer Kellye Guinan is a freelance editor and writer with more than five years’ experience in personal financial planning. She also is an employee full-time at her local library, helping her community access information about financial literacy, among other subjects. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since the end of 2021. They are dedicated to 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 guarantee

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You have money questions. Bankrate can help. Our experts have been helping you master your money for over four years. We are constantly striving to give our customers the right advice and tools needed to succeed throughout life’s financial journey. Bankrate adheres to strict standards standard of conduct, which means that you can be sure that our content is truthful and reliable. Our award-winning editors and reporters produce honest and reliable information to assist you in making the right financial choices. The content created by our editorial staff is objective, factual and is not influenced by our advertisers. We’re transparent about how we are able to bring quality information, competitive rates and helpful tools to 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 or services, or when you click on certain links posted on our website. This compensation could influence the manner, place and in what order items appear in listing categories and categories, unless it is prohibited by law for our mortgage home equity, mortgage and other products for home loans. Other elements, such as our own website rules and whether a product is available in your region or within your self-selected credit score range can also impact the way and place products are listed on this website. While we strive to provide a wide range offers, Bankrate does not include the details of each credit or financial product or service. In colder climates, winter means less foot traffic at auto dealers and more pressure to reach sales targets. Since dealers usually get the new model year at the time of the summer’s end, they are eager to move the model year that was previously sold off the lot. If you buy your car in the fall of winter you may be able to profit of the slowing sales. If you’re in the market for a car now it is possible to benefit from a car market that is slowly recovering from the strains of the pandemic. The supply of vehicles has been increasing after the shortage of microchips that cut down on new vehicle manufacturing and caused prices to rise. As inventory improves the prices are beginning to descend. But deals and incentives aren’t as prevalent than they had been prior to outbreak which is why arranging your purchase carefully can be a big help. Dealerships are working to reach quotas. It’s no secret that dealers operate on monthly and annual limitations. These influence bonuses and commissions given by both the proprietor of the dealership as well as the suppliers that the dealership contracts with. This is why the final day of the year could be the time to make a profit . Not only are salespeople in a rush to meet their monthly quota as well, they’ll also need to make last-minute deals for the end of the fiscal year. Of of course, not every business follows a Jan- December financial schedule. But in general you might be able make use of the system to better negotiate a deal. Sales at the end of the year Franchise dealershipsdealers with a direct relationship with a manufacturer can offer deals on new vehicles that are in the model year currently. But year-end sales are common regardless of the dealer’s franchise status or independent status. Because dealers are trying to meet their sales goals, you might see big reductions in the price of the vehicle along with rebates. If you’re not an effective bargainer, you should take advantage of winter sales. It may help you get a good deal. It is possible to secure a favorable rate of interest. Taking out a car loan in the right time of year can also assist you in getting a great interest rate. Reach out to multiple lenders and ask for rates to make sure that you get the best price. 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 in getting the loan approved. Keep the following in mind when looking for car loans Learn about loan kinds and . Find the most favorable terms. Receive all promises in writing. Be aware of the details. Fewer people are shopping The cold of winter and a busy holiday season can hinder people from visiting car dealerships. The slow traffic at dealerships extends into January and February, making the perfect months to shop for a car, says Mike Quincy, auto tester and writer at Consumer Reports. No matter the season. Quincy suggests that you find out the price of the dealer and work up from there instead of working dropping the sticker price. «You’re just probably going to have a more captive crowd for salespeople when you visit during the winter because they don’t see many people,» Quincy says. «These strategies should work.» New models are released. Dealers typically start getting new models around the beginning of summer or beginning of autumn. That means the current model-year vehicles that were never removed from the lot have depreciated in value. «A left-over model, in general, is a great deal for the driver who drives their vehicle to the ground,» Quincy says, noting that it could range from 100,000 to 100,000 miles. And even if , waiting for the newest models to arrive is worthwhile. In the end, depreciation will continue to take its toll. It will still be as good, but you may be able to get a better deal because the car is older. There are options for winterization. Part of your negotiation strategy should be to include winterizing your vehicle. Beyond comfort factors, like heated seats and steering wheels, concentrate on snow tire and winter windshields as part of the total package. «If you’re not prepared to make the investment the safety of your family is threatened,» 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 but there may be additional charges associated with the installation of these tires when purchasing the car. Winter is also a great time to test drive the car you’re thinking of buying. This is particularly important if you live in regions where winter weather is prevalent. By test driving with snow or slush, you will be able to gauge the driving experience your car in extreme conditions. What is the best time to wait until spring? The winter months can be a great time to get a good price, but it’s not the only moment to shop. If you’re prepared to negotiate prices and you’re willing to negotiate, it could make sense to put off until spring or later to start shopping. Most manufacturer offers are for new vehicles and if you’re purchasing used, there’s no reason to go shopping in winter. Additionally, you don’t want to be caught in cold or icy weather if your used car isn’t properly winterized. And if you’re shopping for a second-hand car at a private sale it’s less likely to find deals in winter. It could also be difficult to arrange a private appointment to look over the vehicle. Shopping for cars in warmer climates may actually be more difficult during winter as the weather is generally more pleasant. Most advice anticipates the area you live in has an extremely cold winter, which is why it is best to wait until the temperatures rise in the spring before going out to shop. If you have a an incentive for winter that could be used for a substantial down payment, you should wait until spring. In the end, the less cash you have to take out to pay for your mortgage, the less you’ll spend in the end, even if you don’t get the bigger winter deals. This may sound counterintuitive however, dealerships will begin receiving 2024 models in late 2023. If you’re interested in an 2023 model, hold off until late summer. That way, dealers will be pushing the 2024 model, and you can find a great deal in comparison to this «old» version year. In the end, buying a car in the winter will help you find a lower price. With low pedestrian traffic and a shift to new inventory, you have ample room to negotiate a reasonable price. It is crucial to determine what you are able to spend on a car before applying for an auto loan and also to check your credit score and shop around for the most competitive price. Find out how the interest rate will affect your monthly payments and your total cost of your car loan cost using our .

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Written by Business and personal finance writer Kellye Guinan is a freelance editor and writer with over 5 years experience working in the field of personal financial. She is also an employee full-time at her local library, where she assists the community gain access to information on financial literacy, among 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 committed to helping readers gain confidence to take control of their finances by providing clear, well-researched facts that break down complex subjects into bite-sized pieces.

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