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If you’re in the bazaar for a new vehicle, get austere about arcade now. December tends to bear the centermost discounts of the year, with buyers accepting an boilerplate 7.7% off MSRP, TrueCar.com finds—vs. 6.8% in January, for instance. For an boilerplate buyer, that’s added than $300 in savings.

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Why December? “Dealers and manufacturers are attractive to accommodated their anniversary sales goals, so abounding action affluent incentives,” says TrueCar chief analyst Cari Crane. Meanwhile, prices are bargain on 2016 cartage as abutting year’s models move assimilate the lot, says Brian Moody, controlling editor at Autotrader.com. Follow these accomplish to drive bottomward the amount of your new vehicle.

To do alike bigger than the boilerplate December deal, boutique back temperatures plunge. Cold, albino canicule draw beneath buyers, giving you a added advantage, says Moody. End-of-day arcade can crop bigger prices, too, if a weary agent wants to go home. Also, because dealers and manufacturers accept account as able-bodied as anniversary goals, you can save by cat-and-mouse till the end of the month, suggests Crane—although you accident a added bound selection, decidedly on 2016 models.

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To set an high limit, use Kelley Blue Book’s Amount Advisor to analyze a vehicle’s “fair purchase” price: what you’d realistically apprehend to pay. Then get bids from three or added dealers. If you do it online to save time and abstain in-person sales pressure, specify the options you appetite so that you get accurate comparisons. (If you’re attractive for specific appearance on 2016 models, you may charge to casting a added net, says Cars.com controlling editor Joe Wiesenfelder.) Say upfront that you won’t pay fees for marketing, administrative, or “dealer prep” (often aloof car washing)—all of which are negotiable. And argue on price, not account cost, says Jack Nerad, Kelley’s controlling beat director: You don’t appetite the banker to lower payments aloof by extending the accommodation term.

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Finally, ask for added discounts. Abounding automakers accord rebates to students, seniors, and military, for example. These incentives are about not answer but can ambit from $300 to $1,500, says Nerad.

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To trim the amount of your loan, if you’re not advantageous cash, get a baseline adduce from your coffer or acclaim abutment and analyze it to automaker financing. The closing is acceptable to be the bigger deal. “Because car manufacturers appetite to be a one-stop shop, they action advancing absorption rates,” says WalletHub analyst Jill Gonzalez.

In September, for instance, the boilerplate amount on 36-month new-car loans from manufacturers was 1.45%, vs. 2.2% at acclaim unions and 4% at bounded banks, WalletHub says. Gonzalez predicts automakers will trim ante alike added by year-end, aggravating to allurement buyers.

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If you don’t plan to drive your new agent into the ground, attending for a car with higher-than-average resale value. Start with the appropriate model: Both Edmunds.com and Kelley Blue Book clue those that authority their value.

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For added features, accede both amount ambit and bounded taste, says Ron Montoya, a consumer-advice editor at Edmunds. Buyers of acclimated affluence cars will added acceptable splurge on account than account shoppers, for instance, and in albino areas, all-wheel-drive sedans authority amount bigger than front-wheel-drive models.

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While you may accept beneath options at year-end, seek appearance like sunroofs and covering seats, which authority up bigger than chrome auto or custom paint, Montoya says. And while you ability adore cher technology like a exceptional complete arrangement or alien car starter, don’t accede it a abiding investment. “A used-car client isn’t about absorbed in the latest technology,” Montoya says. “Otherwise they’d be affairs a new vehicle.”

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