Car dealerships make most of their money from financing and insurance. When you walk into a dealership, it is best to have already secured financing and insurance, so you don’t have to go through the dealership. 89.6% of new-car sales and 73.2% of used cars sales in 2018 included financing, protection plans, or insurance derived from the dealer. A pre-approved car loan will have a lower interest rate and give you more time to secure and understand the finances that come with it. It is also important to remember that you can negotiate on all aspects of the car buying process. From trade-ins to the overall cost to protection plans, nothing has to go for sticker price.