: Between Thanksgiving and Christmas often sees significant manufacturer incentives.

The biggest "secret" is to secure your own financing before ever stepping onto a dealer's lot.

: A common financial guideline suggests a 20% down payment, a 3-year financing term, and keeping total car expenses under 8% of your monthly income.

: Salespeople often have monthly or quarterly targets to hit, making them more willing to lower prices to close a deal.

Dealers are more motivated to move inventory at specific times to meet sales quotas:

: Apply for a loan at a bank or credit union like Harvard Federal Credit Union to establish your "out-the-door" budget.