{"id":2413,"date":"2025-10-06T20:13:00","date_gmt":"2025-10-06T20:13:00","guid":{"rendered":"https:\/\/www.southernharvestinsurance.com\/blog\/?p=2413"},"modified":"2025-10-05T20:13:31","modified_gmt":"2025-10-05T20:13:31","slug":"best-time-buy-new-car","status":"publish","type":"post","link":"https:\/\/www.southernharvestinsurance.com\/blog\/auto-insurance\/best-time-buy-new-car\/","title":{"rendered":"The Best Time to Buy a New Car and How Auto Insurance Fits In"},"content":{"rendered":"
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Shopping for a new ride in Georgia? The price you pay can depend on when you shop. Many things change during the year, including special deals and lower prices; catch the right moment and you can unlock big savings.<\/span>\u00a0<\/span><\/p>\n

In this guide, you\u2019ll learn when it is the best time to buy a car, and pair your purchase with the right, affordable <\/span>auto insurance<\/span><\/a>\u2014so you save on both the price and the policy.<\/span>\u00a0<\/span><\/p>\n

Best Times to Buy a New Car in Georgia<\/span><\/b>\u00a0<\/span><\/h2>\n

Put the calendar on your side before going car shopping. There are certain times of the year that are better than others for getting the best deal beyond sticker price. If you know how \u2013and when\u2013 to look, you could save hundreds, or even thousands of dollars at dealerships.<\/span>\u00a0<\/span><\/p>\n

Here are some of the times to search for the ideal vehicle at the best possible price\u2013and why.<\/span>\u00a0<\/span><\/p>\n

End of the Month<\/span><\/b>\u00a0<\/span><\/h3>\n

Salespeople are expected to sell a certain number of vehicles per month. This is called a quota.Car dealers and salespeople have monthly sales goals. If they hit the goal, they can get bonus money. At the end of the month, they work harder to make deals. If you can, wait until the last few days. Your purchase might help them reach their goal. Go in and show you\u2019re ready to buy. You could get a lower price on a car.<\/span>\u00a0<\/span><\/p>\n

End of the Quarter<\/span><\/b>\u00a0<\/span><\/h3>\n

\u00a0The office staff is busy doing the math because the dealer must hit sales goals every three months to stay in good shape and keep the doors open. If selling you a car helps them hit that goal for the quarter, they will be ready to make a deal.<\/span>\u00a0<\/span><\/p>\n

End of the Year<\/span><\/b>\u00a0<\/span><\/h3>\n

There\u2019s nothing like the annual milestone at your local new car dealership. It\u2019s also holiday time, when fewer consumers are thinking about buying a vehicle. There\u2019s too much else going on and sales drag. That makes it a great time to be one of the few people wandering into the dealership and taking a serious look around.<\/span>\u00a0<\/span><\/p>\n

In addition, a 2025 vehicle is only considered to be a new vehicle in, well, 2025.The 2026 cars are already on the lot. The store and lot have limited space, and money is tight, so salespeople are told to move those \u201cold\u201d 2025 cars fast.<\/span>\u00a0<\/span><\/p>\n

Car makers give a suggested price, but you don\u2019t have to pay it. Don\u2019t focus on the sticker price. Ask for a better deal and try to pay less than the sticker.<\/span>\u00a0<\/span><\/p>\n

Holidays and Holiday Weekends<\/span><\/b>\u00a0<\/span><\/h3>\n

It\u2019s not just the year-end holidays that can generate pretty good new car price cuts. It\u2019s any time when most people don\u2019t want to go vehicle shopping. Such as the time around Thanksgiving, the Fourth of July, and, yes, Christmas and New Year\u2019s and any other festive or family occasion.<\/span>\u00a0<\/span><\/p>\n

At any point in the calendar when the dealership is devoid of customers, you\u2019ll stand out. In a good way. The red carpet will be rolled out for you, and you will get special treatment just to get salespeople some much-needed commission money.<\/span>\u00a0<\/span><\/p>\n

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Mondays<\/span><\/b>\u00a0<\/span><\/h3>\n

You might not want to go car shopping on New Year\u2019s Eve or over the Thanksgiving weekend. But \u2026 <\/span>Mondays?<\/span><\/i> What\u2019s wrong with that? This day of the week is a simple strategy that could fetch you a good price on a new vehicle. And it\u2019s a strategy that\u2019s easy to do.<\/span>\u00a0<\/span><\/p>\n

The beginning of a new workweek has dealership personnel hitting the ground running. Salespeople and management alike have those quotas and bonuses top of mind after the weekend. And Mondays are generally quiet days for dealerships. Put it all together, and you\u2019re likely to command the attention of deal makers and get a better price for your new vehicle on the first day of the workweek.<\/span>\u00a0<\/span><\/p>\n

Autumn<\/span><\/b>\u00a0<\/span><\/h3>\n

Yes, there\u2019s even a preferred season for shoppers.<\/span>\u00a0<\/span><\/p>\n

If you\u2019d like to earmark a season for dealership deal-making, it\u2019s in the fall. That\u2019s when inventory clear-outs begin. Out with the old(ish), and in with the new. Car models, that is. Even though you\u2019re actually getting a new car, the dealership sees the expiring model year as one that\u2019s swiftly aging. Tips for Earning the Best Car Insurance Rates<\/span>\u00a0<\/span><\/p>\n

Your car and its insurance go hand in hand. In the Peach State \u2014as in nearly every other state\u2014you can\u2019t legally drive without coverage. And because <\/span>auto insurance premiums in Georgia are often higher<\/span><\/a> than the national average, it pays to be strategic. Just as you can time your purchase to get the best new car deals, you can use similar tactics to save on your policy.<\/span>\u00a0<\/span><\/p>\n

Here are a couple of tips for getting the most coverage for the lowest premiums.<\/span>\u00a0<\/span><\/p>\n

Go Insurance Shopping First<\/span><\/b>\u00a0<\/span><\/h3>\n

Know what you want to buy at the new car dealership down the street? Great! But before you shake hands and sign the paperwork for your new ride, give your auto insurance agent a heads-up. Explain what you intend to buy and ask for a rate quote on an auto insurance policy. You could be glad you did.<\/span>\u00a0<\/span><\/p>\n

You might be eager to buy your first high-performance sports car until you find out the cost of insuring your shiny new ride. Insurance rates are based on multiple factors, but they include the price of repairing and replacing a car and the likelihood that you\u2019ll crash or your car will be stolen.<\/span>\u00a0<\/span><\/p>\n

Some vehicles tend to get into accidents more frequently than others. If a consumer buys a high-performance sports car, it\u2019s because they want to drive it. Fast. And that can lead to a higher collision risk. So they\u2019ll charge you more than if you were to buy a more conservative and less costly vehicle.<\/span>\u00a0<\/span><\/p>\n

Therefore, there\u2019s a wide range of insurance rates based on <\/span>vehicle makes and models<\/span><\/a>. Being forewarned with a coverage cost quote is a good idea, whether you decide to go ahead with your original purchase plan or start researching vehicles that don\u2019t cost nearly as much to insure.<\/span>\u00a0<\/span><\/p>\n

Do Business with an Independent Insurance Agent<\/span><\/b>\u00a0<\/span><\/h3>\n

Independent agents don\u2019t work for just one insurance company. Instead, they have established contractual relationships with multiple insurers. As a result, they don\u2019t have a \u201ctake it or leave it\u201d attitude when you ask for a rate on your coverage.<\/span>\u00a0<\/span><\/p>\n

Instead, they can compare quotes from multiple carriers to find you the right coverage at the most competitive rates. Only independent agents have that flexibility, and they can also suggest other ways to <\/span>save on car insurance in Georgia<\/span><\/a>\u2014for example, by bundling your auto policy with your homeowners or renters coverage, or adding other plans to qualify for discounts.<\/span>\u00a0<\/span><\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n\n

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Buy Your New Car at the Right Time\u2014with the Right Auto Insurance from Southern Harvest\u00a0<\/h2>\n\n
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Bottom line, the best time to buy a car is <\/span>after<\/span><\/i> you\u2019ve found affordable car insurance for it. That means you need to pay a visit by phone, email, or in person to an independent auto insurance agent at Southern Harvest Insurance.<\/span>\u00a0<\/span><\/p>\n

We\u2019ll crunch the numbers and get you the best deal on the most affordable coverage from top providers.\u00a0 All you need to do is make contact with an agent. Call us at <\/span>(877) 831-4677<\/span><\/a> or <\/span>get a quick quote online<\/span><\/a>. You can also visit a <\/span>nearby office<\/span><\/a>.\u00a0 Then go car shopping and make your best deal with confidence!<\/span>\u00a0<\/span><\/p>\n

FAQs<\/span><\/b>\u00a0<\/span><\/h2>\n

Want to know more about car shopping and insurance? Here are answers to a few of the more commonly asked questions on the topic.<\/span>\u00a0<\/span><\/p>\n

Do I need insurance before buying a car in Georgia?<\/span><\/b>\u00a0<\/span><\/h3>\n

Yes. Or at least you must be insured before you can drive your new vehicle out of the dealership. Auto insurance is mandatory in Georgia, and you must have it before you get behind the wheel for the first time, and certainly before registering your new ride and getting plates for it.<\/span>\u00a0<\/span><\/p>\n

Can I use my current policy when replacing an old car?<\/span><\/b>\u00a0<\/span><\/h3>\n

No. Every insurance policy covers an individual vehicle. Your new vehicle is a different beast, after all, and that will be reflected in your premiums. You might pay more, you might pay less. It all depends on the make and model, and what it might cost to repair or replace your car if it\u2019s damaged or stolen. So always talk with your agent first.<\/span>\u00a0<\/span><\/p>\n

How long do I have to insure a new vehicle?<\/span><\/b>\u00a0<\/span><\/h3>\n

Get your coverage in place before you take your first drive. You wouldn\u2019t want to get your new car totaled as you drive out of the dealership lot and have no insurance on it.<\/span>\u00a0<\/span><\/p>\n

Does the cost of insurance go up or down when buying a new car?<\/span><\/b>\u00a0<\/span><\/h3>\n

It will depend on the make, model, and cost of your vehicle. And the cost to repair it. But as you might expect, your insurance premiums will be higher if you trade in your $1,500 ten-year-old beater as the down payment on a $50,000 sports car. Again, talk about insurance rates with your agent before you make a deal on a new vehicle.<\/span>\u00a0<\/span><\/p>\n <\/div>\n