Buying a car is one of the biggest financial decisions most people make. As auto prices continue increasing, it pays to shop smart. Here are practical ways to cut costs and drive away with a deal.

1. Do Your Homework

Before you set foot on a lot, research the make and model you want. Check Kelley Blue Book, Edmunds, or TrueCar for fair market values so you know what’s reasonable.

2. Shop at the Right Time

Dealers often have quotas tied to the end of the month, quarter, or year. Shopping during those times — or when new models arrive — can mean bigger discounts on outgoing inventory.

3. Consider Certified Pre-Owned

A lightly used car (1–3 years old) can save you thousands while still offering warranty protection. Depreciation hits hardest in the first couple of years, so let someone else take that hit.

4. Arrange Financing Beforehand

Don’t rely on dealer financing as your only option. Get pre-approved for an auto loan from AlliedFCU and bring your YES Check to the dealership with you. Walking in with financing puts you in a stronger position to negotiate.

5. Skip the Extras

Extended warranties, paint protection, gap insurance — dealers make money here. Some are unnecessary or can be bought cheaper elsewhere – like from our insurance partner, TruStage. Decide what you actually need before you’re in the hot seat.

6. Negotiate the Price, Not the Payment

Monthly payment games can hide extra costs. Focus on the total purchase price first, then financing terms.

7. Factor in Total Cost of Ownership

Insurance, gas mileage, and maintenance matter. A car with a slightly higher sticker price could save you money long term.

A little planning, patience, and confidence at the dealership can add up to major savings on your next used or pre-owned vehicle.

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