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4 min read Published June 15, 2022
Jackie Lam Written Jackie Lam Written by Contributing writer Jackie Lam is a contributing writer for Bankrate. Jackie is a writer on auto loans. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers gain confidence to manage their finances through providing clear, well-researched information that breaks down complicated topics into bite-sized pieces. The Bankrate promise
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If you have questions about money. Bankrate has the answers. Our experts have been helping you manage your money for over four years. We are constantly striving to provide consumers with the expert advice and tools needed to succeed throughout life's financial journey. Bankrate follows a strict policy, which means you can be confident that our content is truthful and reliable. Our award-winning editors and journalists produce honest and reliable content to help you make the best financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We're honest regarding how we're capable of bringing high-quality content, competitive rates, and useful tools to our customers by describing how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the placement of sponsored products and services, or by you clicking on certain hyperlinks on our website. Therefore, this compensation may impact how, where and when products appear in listing categories in the event that they are not permitted by law. We also offer mortgage, home equity and other home lending products. Other elements, such as our own proprietary website rules and whether the product is offered in the area you reside in or is within your self-selected credit score range could also affect the manner in which products appear on this site. Although we try to offer the most diverse selection of products, Bankrate does not include information about every credit or financial product or service. If you hate the idea of having to bargain with a dealership about the cost to purchase a brand-new vehicle, a car buying service may be a solid alternative for you. You can do it from the comfort of your own home, and some of the car buying services may offer ways to keep more money in your pockets. What are the best car buying services for you? Dealing with dealers can be daunting. If fear of a poor deal has kept you away from checking out dealerships, a car buying service can be a good alternative for you. There are two types of car buying services that include Membership-based and concierge services. Concierge services can help you determine the cost of the vehicle and make the process of buying a car simpler for you, such as transporting the vehicle at your home or to the nearest center so you can test drive it before you purchase. Numerous organizations, including AAA warehouse clubs, warehouse clubs and others, offer car buying services for their members at no cost, according to John Nielsen, managing director of auto engineering and repairs for the AAA national office at Heathrow, Florida. Nielsen claims that those who utilize these services for buying a car can save thousands of dollars off their purchases. "I have friends who purchased an automobile through the program, and saved $2600," he says. Though shoppers have the potential to save lots of money, not all car-buying services are created equal, says Lauren Fix, founder of The Car Coach and Car Smarts and consumer auto expert. The consumer must know what the car-buying service can gain from these deals and whether their goals are similar to yours. Tips on using a car-buying service If a car-buying service is appealing to you, consider these tips prior to pursuing one. 1. Businesses offer negotiation and convenience Car-buying platforms are for shoppers who have a tight schedule and don't have the time to search and , explains Fix. For example, Carvana, a popular car-buying service, offers fixed rates and can deliver the car to your home to allow you to test drive it over the course of seven days. Prices can differ, and certain services charge a percentage of cost of the vehicle. At Meriwest Credit Union in San Jose, California, members are able to take advantage of the Autoland auto-buying service. Utilizing the service allows them to communicate with no one at a dealership, according to William Fultz, an auto broker at Meriwest Credit Union. Members are connected to an auto consultant who will negotiate the cost of the car on your behalf and collaborate together to get an auto loan through Meriwest Credit Union. 2. These services are typically available to members only . If you're participant in AAA, AARP, Costco, Sam's Club or a credit union, you may be eligible to tap into their car buying services for free. Each program works differently and some may offer the service of negotiating the price tag of a car for you, while others offer pre-negotiated, fixed rates. Some of these clubs and organizations may offer discounts, other benefits, or incentives that car manufacturers offer exclusively to their members. 3. Buyers should still do their homework Before working with the car buying service Fix recommends looking up websites for auto research like Edmunds and Kelley Blue Book, to find the median price of your dream car in your local area. Another benefit to doing your research before you buy is that buyers should have a good idea of what they are looking for before they reach out to the company, Nielsen says. "It's difficult to assist you if you're looking at Minivans, Sports Cars and convertibles all at the at the same time," he says. Nielsen recommends narrowing your options to the most preferred two or three options, including make, model, color and other options before you contact an auto-buying service. "Think about the kind of car that you would like to purchase and how much you'd like to pay," he says. If a company has that information, it will be able to perform a better job of getting the car you want with a price that is competitive. 4. Learn how car buying services are paid While these services might be free for members, the costs are included in any fees for membership. As for the concierge, they may charge a flat rate or a percentage of the cost of the car. The car buying service usually negotiates discounts with dealers due to the volume of sales the dealership can earn through this process and can transfer the savings onto the consumer. But consumers should be aware they could be directing them to dealers whom they have a commercial connection, she says. "You have to determine if you are getting the most value for your money," Fix says. Fultz states that referral fees might not be the only advantage these companies receive. Credit unions often offer car-buying services because they strengthen the relationship between the customer and their financial institution. "It helps us keep our loans inside the bank on a higher basis," he says. "It is beneficial to us, the membership and the dealers." 5. Be aware of the return policy. Consumers should make sure they understand the policy regarding customer satisfaction prior to when they purchase the car or truck, Fix says. In the event that you don't, you could be stuck with a huge purchase and something you aren't happy with. It is possible to check on the car buying service's site, or by reaching out to customer service to inquire the return policy. Besides how many days you're allowed to use after purchasing the vehicle for returning it make sure to see if there is an upper limit on the amount of miles you can drive. If you exceed the limit that you can drive, you'll have to pay for every mile past the limit. In general, the vehicle cannot be returned damaged or altered and must be in the same state as it was when it was handed over to you. The bottom line Using the car buying services could be an option if do not want to bargain with salespeople at the dealership, prefer not to step foot in a car dealership or if you're short on time. Before calling make sure you do your research and study the specifics, like researching , the charges involved, as well as the policy for returning a car purchased through a service. Find out more
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Written by a contributing writer Jackie Lam is a contributing writer for Bankrate. Jackie write about automobile loans. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are passionate about helping readers gain confidence to control their finances by providing concise, well-researched and well-researched content that breaks down otherwise complex topics into manageable bites.
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