(StatePoint) Buying a car is one of life’s bigger financial decisions—and timing can make all the difference.

But according to auto experts at Wells Fargo, the best time to buy a car isn’t about chasing seasonal sales or waiting for tax credits. It’s about being prepared before the need becomes urgent.

“It’s just a reality that buying when you absolutely have to can limit your ability to get a good deal,” said Robert Lyles, retail auto relationship management director, East Market for Wells Fargo Auto. “Doing your research, knowing what you’re looking for, and understanding how much you can afford will give you a leg up when it’s time to negotiate.”

So how do you know when you’re ready? It starts with understanding your finances. Michael Meganck, retail auto relationship management dire

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