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1 year ago · by · 0 comments

4 Car Buying Secrets for Your Tax Refund

Are you planning to use your tax refund as a down payment for a new set of wheels? According to the Nation Retail Federation, 13% of the U.S. will use their refund for these purposes. In fact, auto dealers look forward to tax season because of the increase in sales. So how do you make sure you get the best price at the dealership?

Secret #1: Pick the Right Time

Of all of the car buying secrets, this is one of the least practiced. To start, plan to visit dealerships near the end of the month. Managers and salesman will usually be more motivated to make sales when quotas need to be reached. Second, avoid the rush of the weekend, and visit at the start of the week. There will be less competition for the salespersons attention and also less sales to be made. And finally, go in the evening, right before closing time. Just like you and me, your salesperson will want to get home to their family and will be less likely to quibble over your requests.

Secret #2: Don’t Rush It

Never make such a high-value purchase out of pressure. Leave the dealership, talk it over with your loved ones, and evaluate your finances. If you are visiting the dealership at the right time, you might find dealers more motivated to sell. Expect a phone call with a better price or other incentives designed to get you back in the door. A little patience pays off.

Secret #3: Do Your Research

This one is so obvious, but not everyone practices it. Don’t trust the dealership to offer the best price right off the bat. Wiggle room has been built into the price so do your research. See how much the car you want is selling for at nearby dealerships. If it’s used, check the Kelly Blue Book value. With sites like TrueCar.com you can even get a dealership to accept your offer before stepping foot on the lot! And don’t stop at just researching the car.

Research dealer incentives. Does another dealership have a cashback offer? Bring it up. Will the dealership offer you a great financing incentive (like no interest for a year or a super low rate)? Ask about it. If you don’t know what’s out there, the dealer isn’t going to tell you.

Secret #4: Know Your Worth

You might be able to lower the cost of your vehicle, but you’ll need to get excellent financing to ensure you aren’t over paying once it’s all said and done. With that in mind, it is an excellent idea to know your credit score before you set foot on that dealership pavement. You can actually do this for free with CreditKarma. This knowledge, coupled with current financing incentives, will put you in the “driver’s seat” (I know, but we had to!) when it’s time to make your purchase.

Hopefully these car buying secrets will be useful to your search. Once your new car is secured, you’ll need affordable car insurance to go with it. Let the brokers at Omni Safe Insurance do the leg work for you. Give us a call at 1-877-728-9966.

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Omni Safe Insurance
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(877) 728-9966

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