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How to negotiate the best price on a car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make smarter financial decisions by offering you interactive financial calculators and tools that provide original and reliable content, by enabling you to conduct your own research and compare information at no cost to help you make financial decisions with confidence. Bankrate has partnerships 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 that pay us. This compensation may impact how and where products appear on this website, for example, for example, the order in which they be listed within the categories of listing and other categories, unless prohibited by law. Our mortgage, home equity, and other products for home loans. But this compensation does not influence the information we provide, or the reviews appear on this website. We do not contain the universe of companies or financial offerings that could be available to you.



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4 min read published September 20th, 2022.
Written by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers with the ins and outs of securely taking out loans to purchase the car they want.







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 the confidence to control their finances by providing concise, well-researched, and well-studied data that breaks complex topics into manageable bites.









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Buying a new car is exciting but negotiating for a lower price can feel intimidating. Prepare yourself to feeling confident and getting the price you're worthy of. 7 steps for negotiating your car price Get yourself set for success in negotiations by looking into your options. These steps should help you be more prepared to negotiate with the seller and ensure you get a deal that is within your budget. 1. Determine the most important aspects before the negotiation process can begin, think about what kind of car you want. If you don't already have your dream set of wheels, consider your needs and lifestyle. Are you planning to travel long distances or in dense traffic and require a fuel-efficient vehicle? Is it just you and your partner, or will you need something larger to transport your children or relatives? Are any features non-negotiable? These are only a few things to think about when determining which makes and models . Also, run the numbers to get an idea of . Use the auto loan calculator to calculate the monthly cost, and don't forget to consider the other in determining a budget. Decide on the amount you want to pay, and keep it in mind when you negotiate. 2. Pre-approve for financing second thing you must consider is financing. Think about getting financing before going to a dealer to purchase a car. Most car dealerships offer in-house financing, but it's . Dealerships often increase their loan rates so they can gain. You can find better rates from banks, credit unions and online lenders. So, compare the offers online and in person. A credit line will allow you to keep your foot on the ground. You'll know precisely what you will have to spend, which means less temptation toward upgrades and costly add-ons. Preapproval also gives you negotiating power -the dealer may be willing to match or beat the other offers to win your business. Check out what the monthly installments could be at various rates and loan conditions. 3. Do some research on the car's worth Conduct research to find the car's worth and then write down the following numbers as follows: Manufacturer Suggested Price (MSRP) This is the suggested sales price per the automaker, sometimes referred to by the term "sticker price." invoice price : The amount that the dealer pays to the manufacturer to purchase the vehicle Fair market value : The cost that other people pay for the same or comparable car. Look for the MSRP on the price sheet that is attached to the window of the car. You can determine the invoice price and fair market value by conducting the internet or using a tool. If you're looking to buy a brand new car, you can use the invoice price as your starting base. The ideal price to decide on should be in the range of and the MSRP and this figure. If you're purchasing used the vehicle, you may negotiate with more freedom in accordance with the vehicle's make, model mileage, and condition. 4. Research dealerships Even if a dealership offers good deals on cars you love but it might not be the most suitable choice. Beware of dealerships that have steep charges for dealer services or have poor reputations. Read online reviews to get insight from past customers. Also, ask about dealer costs before you begin shopping for the next car. 5. Shop around Unless you are certain of the car you want, up to the manufacturer, model and VIN, shop around. Visit some dealerships in your area in the course of several weeks. Get a feel for the types of cars available and speak with a few different salespeople. Create a list of the top three options. Then study the MSRP as well as the invoice price and the fair market value. This will help you in the process. You'll be able to access the price information needed to get the best price and the dealer will know you've conducted your own research. It's more difficult to bargain -- and more difficult to overpay -- on a vehicle if you rush the buying process. 6. Read up on negotiation tips Salespeople are expecting you to negotiate your car's price. Don't feel bad asking for a price, but ensure you have the plan. Come prepared with cost and comparison charts. Check websites like and . If you are aware of what the fair cost for the car is or you find another dealer offering a better deal, communicate this information. This gives you an edge when bargaining. Keep your cool. Even if you are nervous about trying to negotiate a better price do not show it. Be confident and inform them of the price you want to pay. Firmness also means faith in knowing what you're entitled to. For instance, if you are confident that you have good credit, use it to your advantage when discussing dealership financing. Prepare yourself for the long run. It's not uncommon that the process of negotiation to be lengthy. Plan for an extended time at the dealer by being rested and taking care to avoid the possibility of becoming angry or speedy because of thirst, hunger or other issues. If you aren't able to negotiate the price you want Don't be afraid to walk away. You may find another car for sale and a better price elsewhere, or return to the dealer for a second time and negotiate again. Walking away shows you're serious about getting an excellent deal. 7. Switch salesperson if necessary If you're working with a salesperson who is creating a negative impression, locate someone else to assist. It could be best to take your business to a different dealership to be treated fairly when shopping and to negotiate the best price on the car you want. The next step is to buy a car. takes effort, but when you are spending this much money it is important to make certain that you get the car you want at the cost you want before closing the deal. Take time before leaving the dealership to make yourself comfortable to make a decision with confidence and know-how about how much you should pay. Don't be afraid of ask for the price you want and leave if needed. Find out more


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Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the details of borrowing money to purchase a car.



The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since the end of 2021. They are committed to helping readers to control their finances by providing concise, well-researched and well-edited information that breaks down complex topics into manageable bites.






Auto loans editor




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