The best times to go shopping for a car are at the end of the month (because sales people are under pressure to meet quotas), at the end of the year (ditto), and at the end of the model year (because dealerships need to move the inventory to make room for next year's models).
As November draws to a close, you could be three for three.
If you're thinking about a trade-in, consider selling your old car on your own.
It may be more of a hassle, but you'll often get a better price.
Don't be in a hurry. Take time to do plenty of research.
Fifty-eight percent of all Americans do not buy a car within their first 30 days of starting to car shop.
The more you can apply to a down payment, the better.
Experts suggest putting at least 20 percent down as a way to avoid becoming upside-down on your loan (where you owe more than the vehicle is worth).
When it comes to money, If you're always broke, look in your driveway.
Lots of people spend way too much of their monthly income on their vehicles. Be smart.
| Credit Score | Interest Rate |
| 720-850 | 6.0 to 6.2 |
| 690-719 | 7.5 to 7.8 |
| 660-689 | 8.6 to 8.9 |
| 620-659 | 10.9 to 11.2 |
| 590-619 | 14.2 to 14.5 |
| 500-589 | 15.1 to 15.3 |
| Rates are rough national averages for a 36-month car loan as of August 2008. Click here for more information on car loan rates. | |