Before stepping onto the lot, secure a low-interest auto loan with your financial institution. It pays to know first what your car payment will be based on the price you want to pay for the new car you're eyeing.
Before they were famous, many truly influential men and women started by serving their country in the US military or grew up in military families.

Under-the-hood New Car Buying Tips


Polishing your negotiation skills, applying good timing and understanding all the costs involved in new car ownership can often mean you drive off with the best deal on a new car, and make the most of your military money.


Before stepping onto the lot, secure a low-interest auto loan with your financial institution. It pays to know first what your car payment will be based on the price you want to pay for the new car you're eyeing.

Factor auto insurance into the "real price" of owning that new car, and remember that military auto insurance discounts are a unique perk for active duty military and veterans.


Wait till the end of the month to buy a car. Car dealers have monthly quotas to reach, so the best time to begin negotiating a contract deal is going to be toward the end of any given month.

Another price-bargaining time-factor is how long a car has been sitting at the lot. Cars that have been sitting on the lot for 30-60 days are a must-sell for dealers, because dealers pay interest on inventory through a secure credit line, called floor-plan expense. Check how long a vehicle has been on the lot by noting the manufacture-date label on the driver-side doorjamb, located on the inside of the car.

Used cars can be another hidden bargain; car dealerships may offer special bargains on used cars to boost their overall sales.


Be an educated military consumer by researching market values on the model you want, before going to your auto dealership.

A dealer's invoice, which determines car price, often includes hidden dealer holdbacks and fees. The average retail sales price and the true costs, including maintenance, fuel, taxes, depreciation, and interest, are valuable information when you want to know if you're getting a true bargain on your auto purchase.

Competition is still king, especially in today's economy. To increase your bargaining power, make dealers compete by emailing a variety of dealers to compare rates and deals. Let them know your needs, your price range, and tell them up front that you are comparing and considering auto deals from other dealers.

Understanding your current military financial situation gives you full negotiating power to steer a new-car deal in your direction. A little financial acumen, a lot of research, and some military-minded negotiation will help you decipher offers that are deals, from the ones that should be deal-killers.


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