With massive oversupply of many mainstream new cars, anybody who wants to splash out on a new motor has never had it so good. Whether it's a super mini or an estate, there are some fabulous deals to be had at any time of the year - but just because you're being offered an incentive or two, don't ass ume that you're getting the very best deal that's going.

Even the most basic new cars come with plenty of kit as standard, whether it's safety or comfort-related. When you're selecting your new transport it's up to you to haggle for the maximum amount of car for the minimum amount of money. It may be that you can get the next trim level or engine size up, without paying extra. Perhaps you can negotiate some free extras - or maybe you can just get a decent discount on how much money you have to fork out. Whatever you do, don't pay the asking price for any new car - at least get some free road tax, i nsurance or fuel out of the deal.

When it comes to paying for your car, don't assume that the finance offered is the best deal on the market. Car dealers are more competitive than ever - but shop online using websites such as www.moneysupermarket.com and you'll be able to see at a glance just how g ood a deal you're getting on finance. For more on this, take a look at our pages on buying finance.

Finally, the only thing that matters when buyi ng your new car is the cost to change. How much of a discount you get on your new car, or how much you're offered for your old one are irrelevant - it's the difference between the two that matters. Don't be taken in by a dealer offering you a huge part exchange but no discount on the new car - or vice ver sa.
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