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How the car buying process has changed in 2023 Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial decisions by offering interactive tools and financial calculators that provide objective and original content. We also allow you to conduct your own research and compare data at no cost and help you make informed financial decisions. Bankrate has partnerships with issuers including, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The deals that are advertised on this site come from companies that compensate us. This compensation can affect the way and where products appear on this website, for example for instance, the order in which they be displayed within the listing categories and other categories, unless prohibited by law for our mortgage or home equity products, as well as other home loan products. This compensation, however, does have no impact on the information we provide, or the reviews you read on this site. We do not contain the universe of companies or financial offerings that could be open to you.



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5 min read Read Published 26 January 2023
Writen by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers to navigate the ways and pitfalls of taking out loans to buy a car.







Editor: Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate since the end of 2022. He is a fan of clear reporting that helps readers easily find deals and make the best choices for their finances. He is a specialist in auto and small business loans.









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Cars are the second-highest cost purchase most people make in their lifetime. It has historically been a somewhat difficult experience, involving a lot of stress and waiting at the dealership lot. But following the new normal the pandemic brought, a lot of dealers are embracing the and providing a smoother buying experience. Car buying in 2023 is fraught with and supply chain issues keeping prices high. As consumers, it's important to use the shifting car buying process for your benefit. Take note of the ways the buying process for cars could look different over the coming year to both the driver as well as the vendor. What to expect when buying a car this year As we move deeper into 2023, it's hard to stay clear of news of a looming recession. Economists believe the economy has an 85% chance of experiencing a recession this year, found. While the probability of a recession is not directly correlated with a customer's experience on the lot, expensive prices outside the dealership could mean more discomfort when you purchase the next car. The month of December saw yet another record-breaking purchase price for new vehicles, $49,507, according to . However, the future isn't all gloom and doom, as dealers are taking note of the changing macro-environmental conditions. Bankrate interviewed Dave Thomas, director of content marketing as well as an automotive sector analyst with CDK Global, for insight about the trends that are expected to emerge this year. Price is still the most important factor when you're in the market for a new car in the coming year, then you -as the majority of buyers, as per the could be using price as the most important consideration. Although the commitment to time for buying a car is a consideration for the other 50% of respondents the most significant factor is price. This year is likely to be more of a roller coaster for drivers, says Thomas. "For shoppers, the focus will be about those interest rates and how to find one that fits the budget of theirs," Thomas says. This "could create somewhat more challenging than it has been with the reduced inventory." If you are shopping, make sure to consider numerous financing options are available to ensure that you get the best deal, even when you pay higher rates and interest rates. Tips from Bankrate
If you are considering a purchase, think about the total of the amount you'll have to cover and in addition to the regular monthly expense.


Low inventory persists When most consumers set out to a dealer, they have some idea of what kind of car they'd like to buy. However, many buyers have discovered lots empty of their dream vehicles. In the CDK's six-month period , "the number of shoppers finding the vehicle they are looking for available has not exceeded 50," says Thomas. Additionally, inventory is down compared to 2019. Even though conditions are improving inventory remains low as per J.D. Power. The lack of inventory has also resulted in an increase of people who don't go to the dealer altogether. "Some brands are seeing inventories return, but all have a distinct number of vehicles are in stock," Thomas says. This "led to an increase in people buying cars from the factory with the transaction being handled by the dealer." Options to buy online are growing. The standard car purchasing experience hasn't seen a major makeover in many years, and consumers have grown accustomed to the drawn-out process of buying a new or used vehicle from a dealer. This shift into the purchase of cars online isn't a completely new idea. Many local dealerships have online marketplaces for buyers to peruse their inventory prior to arriving on the dealership. However, the car buying experience has become much more detailed in recent years. The break that many drivers took from the car buying process due to the cost can also mean that they require more guidance when shopping. While online shopping is on the rise, Thomas explains that "76 percent of those we surveyed indicated that they were willing to take their time to learn about all their options" this is an increase from the 67 percent of 2021 according to the 2023 . If you're one of the motorists who stuck to the sidelines over the last year because of steep prices, take comfort in this flexibility. Dealerships will continue operating While traditional dealerships aren't likely to be obsolete in the near future, it has seen shifts since the outbreak. Many motorists are now taking advantage of online ordering like or when local dealerships are empty showrooms. However, 91 percent of shoppers still took the traditional route when purchasing a car during the last year, as per the CDK survey. It is also interesting to note that the 9 percent of drivers that did complete their car buying experience completely online did not score the experience highly. In this light, it's a good idea not to miss the real-world experience you can get. But many dealerships are offering the best of both approach with the option to go online first and then end in-store. Thomas explained the change. Many legacy automakers are "streamlining the process online and trying to make the switch from doing a portion of the process online to seamless experience at the store." Drivers benefit from the capability to crunch the numbers at the convenience of home but still get behind-the-wheel experience before signing the documents. There are four ways to utilize online car shopping to your advantage Online car shopping is new, and takes some time to master. Although some tips are within the realm of traditional car shopping, you should consider these guidelines when you're avoiding the showroom. 1. If you are able to research in person, or not conducting research to discover is the initial step to buying a car. Take note of the factors that are important to you the most: The size of the vehicle, fuel economy or even the style and color. Although you may not be able to explore your new ride on the road, YouTube car tours are an excellent way to explore the particulars of what a car offers. 2. Create a budget after you have determine the type of vehicle that you'd like to purchase, it's essential to know what you're willing spend and . Finding this number takes more effort, but it's more straightforward without having a salesperson pressure you. Enjoy your stay at in your home and think about all the factors that affect you, such as your salary, fuel, insurance and any additional costs for your vehicle. 3. Check local inventory Another advantage when shopping for your car on the internet is the ability to look up local inventory prior to making a visit to the dealership. It can be done in a few ways. Look at specific dealers in your area and search for, for example "Toyotas sold near me" or search on websites like Edmunds as well as TrueCar. This can also assist by helping you understand the price landscape for the car you want to buy. 4. Chat online with salespeople . Negotiation is among the most daunting aspects of car buying However, when you're behind a computer screen it's much simpler to bargain for the price you deserve. A majority of the marketplaces you'll come across will offer chat options. Use this as a space to ask the right questions. Be firm, and share information you found when you look up local inventory for the various pricing options. The bottom line is that the car-buying experience has shifted for both the dealer as well as buyers over the last few years because of a mix of factors: Global pandemic and inflation, supply chain issues and the advancement of technology. But it is important to remember that a refresh of the business is underway, and it is bringing more transparency and accessibility for the driver. So even though it is unlikely that car lots will completely disappear, think about buying online to save time and money.


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Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers in navigating the ins and outs of securely taking out loans to purchase a car.



Edited by Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate since late 2022. He believes in the clarity of his reporting, which helps readers confidently find deals and make the most informed decisions regarding their money. He specializes in small business and auto loans.











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