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Gearing up for a new car?

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gearing up for new car

When you're cruising for a new vehicle, timing can make a big financial difference.

Looking for a deal on a new car? It's a big investment, so you want to get the best deal possible. Here are a few tips to help.

Timing is everything
There are certain times of the year, month, or time of day that are better than others when shopping for a vehicle. If your need is not urgent, waiting for an optimal time can reap big dividends. Here are some key opportunities to keep in mind:

At the end of a month. You may get a better deal if the manager still needs to hit their monthly quota. When new vehicles come out. End-of-year models get the best discounts as dealerships need to free up space for the new models.

  • At the end of the day. Swinging by the dealership just prior to closing can be motivating for the eager salesperson who does not want a serious buyer walking away without buying.
  • On Black Friday. Consumer Reports states that on this day, dealers are trying to clear out old inventory as well as meet their monthly quotas, and some dealers may offer incentives.
  • With a rebate. has a search tool to find rebates and incentives by vehicle make and ZIP code.

Get help with the process

Shopping for a new vehicle can be stressful—running from car lot to car lot, haggling with a salesperson, and getting the financing set up. Fortunately for you, there’s a way to buy a car without all the hassle. WEA Member Benefits’ partner, Educators Credit Union, has a car purchasing service that can take you through the car buying process from start to finish. You’ll be behind the wheel of a new vehicle before you know it and amazed at how effortless it was. Educators’ service includes assistance with:

  • Shopping for a car. An Educators Vehicle Specialist works with you to find the vehicle that fits your needs, new or used. Through their Preferred Dealer Network, you get a hassle- and haggle-free price on any new vehicle, at or below dealer inventory pricing. Not looking for a new car? Their Vehicle Specialists can help get you special pricing on used cars.
  • Trading in your old car. When you’re ready to buy, Vehicle Specialists can appraise your trade-in at a fair price to trade to the dealer. 
    Financing your car. Once you’re ready to get a vehicle, Educators can finance or lease it, new or used, at a low interest rate. Even if you’re not buying, you may be able to save money by refinancing and lowering your interest rate.
  • Other added perks. Educators Credit Union’s other auto services protect you before and after you buy.
    • Free CarFax® reports with pre-approval.
    • Warranty Service Agreements at up to 50% below dealer pricing.
    • Sound advice on the many other additional products the dealer offers. 
      Visit Educators Credit Unions’ Everything Auto page at to learn more.

Make sure you’re covered

Make sure you have appropriate protection for your new vehicle. How much insurance and what kind of coverage you need will depend on your situation. Member Benefits can help you find the right balance between cost and protection. We can even bind the insurance the same day if needed. Be aware: Some dealers will offer to set up your insurance. However, if they don’t follow through, you could end up without coverage.

Get a no obligation insurance evaluation and comparison quote.

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Property and casualty insurance programs are underwritten by WEA Property & Casualty Insurance Company. The terms and conditions of your coverage are exclusively controlled by your written policy. Please refer to your policy for details.