Shop for a car like a pro with these insider tips

It’s the most wonderful time of the year — to buy a car, at least.

Consider that car dealers are under pressure to sell the current year’s models to make room for the new lineup. Plus, many dealers strive to meet quotas set by their automakers.

We’ve gathered some of the best tips auto insiders give their family and friends. But heed this caveat offered by Keith McKinzie, Chevy dealer at Sonju Two Harbors, Minnesota: “The public has a lot of information when they buy cars, but buying a car is an emotional purchase. Don’t let emotions dictate your purchase.”

With that piece of advice in mind, put these 10 car shopping tips to work for you.

Carefully choose your car shopping time | Peathegee Inc/Getty Images

Choose your shopping time carefully

Make a point of visiting dealerships in the middle of the week. That ensures the salesperson has extra time to spend with you and also allows sales managers to more carefully craft your deal.

Another optimal shopping time: holiday weekends. While others are watching football or hitting the mall, car dealers are trying to hit year-end quotas. That means they will likely be more receptive to making deals work for you, says Stephanie Soerens, dealer, Soerens Ford, Brookfield, Wisconsin.

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Engage with your salesperson | sturti/Getty Images

Engage with your salesperson

Many shoppers take an adversarial approach to car shopping. “People think they are going to get ripped off and that’s not true,” says Matt Jones, senior consumer advice editor at “Pretend you are at a restaurant and you say, ‘I want a rum and coke.’ The bartender says, ‘We have a great deal on Long Island iced tea.’ You might say, ‘I’ll try that.’ The opposite is true at a car dealership.”

Buyers are generally suspicious about a salesperson’s motives, but their job is to suggest cars based on the customers’ needs and affordability, Jones says.

If you’re not interested in a suggested car, say so. On the other hand, if a salesperson suggests a car, consider it, he adds.

The prime objective is customer satisfaction. No one wants to lose a sale or have a disgruntled customer.

A customer’s insistence on a specific, pre-determined car can cost him or her thousands, Jones adds.

Ask for a different salesperson | gilaxia/Getty Images

Ask for a different salesperson

If you don’t click with the salesperson you have, ask the sales manager for someone else. There won’t be any hard feelings.

This is one of the best ways to outsmart your car dealer — use their desire to keep a prospective buyer happy to your advantage and let the manager know if you can’t connect with your salesperson.

“Salespeople do that, too,” says Jones. “If they realize they’re not working well with a client, they will take themselves out of the deal. Since a dealership has no problem doing that, neither should the customer.

“Never ever, ever buy a car from a salesperson you don’t like.”

Use Bankrate’s auto loan calculator to see what your monthly payment might look like.

Dealers' discounts can benefit you | Martin Dimitrov/Getty Images

Dealers’ discounts can benefit you

Some automakers have moved away from paying major bonuses to dealers who sell a pre-determined number of specific models during a definitive time. But others still pay them, as reported by industry publication Automotive News. It’s almost impossible to independently determine if a dealership is getting such incentives.

If you establish a rapport with your salesperson though, you may be given clues. Don’t ignore them. The dealer may be willing to give you a one-time bargain to meet their automaker’s challenge that will pay them thousands.

Do the math | Phrysphotos/Getty Images

Do the math

Salespeople are accustomed to asking customers what kind of monthly payment they’re looking for. Instead, focus on the total cost of the car, including financing. Pay less attention to the sticker price, otherwise known as the manufacturer’s suggested retail price. Find out the invoice price as well as the true dealer cost, which is even lower than the invoice price. Comparison shop online. Use your research findings to negotiate.

And yes, zero percent financing really means zero, but that’s not always the lowest price, says Howard Lowenthal, finance and insurance manager at Bob Davidson Ford in Baltimore. Sometimes a rebate will save you more — especially if you are not financing the entire price of the car, says Lowenthal.

Do the math on your own and again with the finance manager to make sure the deal keeps the most money in your pocket.

Bankrate’s calculator can help you determine whether you can afford the car you want to buy.

Research financing | Martin Dimitrov/Getty Images

Research financing

Yes, there’s a push among many consumer advocates to alert customers to get pre-approved financing from credit unions or other financial institutions before walking into the car lot. There’s nothing wrong with that, but be sure to check the financing offered at the dealership, too.

Most work with multiple lenders — Lowenthal says his dealership works with close to 20 — to help secure low financing for customers. If you are pre-approved by a financial institution before you come to the dealership, understand that extras such as warranties may well mean out-of-pocket expenses for you.

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Shop for a car -- not an SUV or crossover | Thomas_EyeDesign/Getty Images

Shop for a car — not an SUV or crossover

Overall auto sales are flattening, but SUVs, passenger trucks and crossovers are still popular. Sales of passenger cars have dipped significantly, says Lowenthal. The New York Times recently reported Autodata statistics showing a 12 percent-plus decline in the sale of passenger cars. Meanwhile, sales of trucks and SUVs rose about 2 percent.

The bottom line: Dealers need to move passenger cars, so they will often offer incentives and great deals.

Don't rule out leasing | sturti/Getty Images

Don’t rule out leasing

Even if you’ve never considered leasing a car, do the math. There are some incredible deals on Chevrolet Equinox, Honda CR-V and other popular models. Several car dealers say they have snapped up such lease deals for family members.

But don’t go in blindly. If you put a lot of miles on a car or have less than top-tier credit, buying might be the better choice, says McKinzie.

If you do lease, remember that all elements in the lease agreement are negotiable.

RATE SEARCH: See what it might cost if you decide to buy a car. Find and compare the latest auto rates in your area today!

Ask about program cars | Christian Petersen-Clausen/Getty Images

Ask about program cars

These are rental cars that Hertz, Avis and other national companies have retired. Dealers’ lots are flooded with program cars, most of which have low mileage, says McKinizie.

It’s a mistake to believe rental cars have been abused. Rental car companies keep their cars in top shape because they don’t want clients to be stranded. Consider them and you could save big.

Ask about program cars | anouchka/Getty Images

Follow your budget

Why pay $700 a month for flash when an equally reliable, safe and usable auto can be had for $250 a month? Don’t let your emotions sink your budget. Stay within your price range, says McKinzie.

The Minnesotan Chevy dealer says some of his acquaintances were so infatuated with specific cars that they willingly overpaid. At least one told McKinzie he would refinance the car for a lower interest rate at a future point and save some money. He likely won’t, McKinzie says.

“That’s where emotions come into play,” he says. “Think about how you will use a car and find one that’s reasonably priced for your budget. … To do otherwise is just foolish.”

The 10 best ways to outsmart your car dealer