by Richard Dredge

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 supermini 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 assume 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 any more.

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, insurance 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 and you'll be able to see at a glance just how good a deal you're getting on finance.

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