Who doesn't want to bring home a shiny, bright, sleek looking new car? The best time to, actually buy a new car is in the festive season, though you can buy one at anytime of the year. Festive season brings with it discounts and other benefits, so buying a new car then will help you save some money. The dealer incentives from the factory can be anywhere between $1000 and $6000. Therefore, you know, you can really bargain hard on the pricing.

Before you think about buying a new car, you have to keep certain things on your mind. Start with drawing up a budget for the car. Then go online and search for cars that are within that budget. At the same time, find out about financiers who can offer you a 0% free finance or low interest rates. Always remember that longer the payback period, the higher the rate of interest will be. Since you are going to take a loan on the car, you will have to check your credit score because if there is bad credit mentioned on the report then you will face problems getting a loan.

An important aspect is trade-in. If you have an existing car then you can try to trade-in that car for a new car. The good part about trade-in is that, what you actually pay for the new car will be minus the cost of the old car that is being traded in. In a way, you will end up paying lesser price for the new car. You have to be a good negotiator to get the best price for your trade-in.

Always test rid the new car before you go for the deal. Check the car thoroughly because sometimes, even new cars have small defects like scraping off paint in the inside. Most people look at the exterior when there might be a problem in the interior. Test driving will also assure you that the car engine is working fine and there are no exterior or interior problems.

Check the warranty on the car. Sometimes, people actually forget to check the warranty and some dealers take advantage of this situation. Ask the dealer about applicable lemon law in your state. Then go on to car insurance. There are two options. The first is that you research on your own and find out the best car insurance applicable to you. You can go for a property damage insurance, physical damage insurance, or bodily injury insurance. The second option is to take help from the dealer to get insurance. The new car dealers have strategic tie-ups with most insurance companies and they can help get you a better deal.