These sales usually include accessories, as well, so keep an eye out for discounts on add-ons like mattress pads and toppers. (If you’re not ready to buy a whole new mattress, a great mattress topper can help extend the life of your current mattress.) “You can definitely negotiate at these brick-and mortar stores,” she says, on everything from pricing to financing for your new mattress. Of course, you’ll have to qualify for any financing programs the way you might for a car loan. Still, when you go in to test some of the latest mattress models with the biggest price tags, it doesn’t hurt to ask about sales, promotions, and wiggle room they have on the prices. If nothing else, many sellers are willing to throw in free pillows or mattress protectors to sweeten the deal. If you’re confident in your negotiation skills, the best time to buy a mattress might be when you have some time to scope the sales and barter with your seller. RELATED: This Is the Best Time to Buy New Appliances to Save Big “There’s kind of a big mattress war going on right now,” Madhok says. As the customer, you benefit. If you’re wary about ordering a mattress online, the price points might be enough to entice you. Madhok says many of the boxed mattresses online, including Zinus, Tuft & Needle, and Purple, are hundreds of dollars less than the brands you’ll find in stores, which require moving vans and delivery windows. The space is so competitive right now that Madhok says you have a very good chance at saving. If you’re anxious about buying something online that you aren’t happy with, don’t worry: Most online mattress companies—also called direct to consumer brands—have a satisfaction guarantee where you can sleep on the mattress for a few months at home before committing to the purchase. Nectar, for example, offers a full-year trial to test their product. If you’re ordering a mattress online, the best time to buy a mattress might be now, just as old-school sellers work to stay relevant among breakout online brands. “I see ads for Casper on the subway all the time,” Madhok says. Take advantage of the promotions by looking out for major deals for first-time buyers. Casper offers a referral program, where you can get discounts for suggesting the brand to friends who also end up buying. If you visit their site, you can sometimes qualify for a discount just by participating in a survey. RELATED: Save Money on Car Purchases by Buying at the Right Time—and Following These Money-Saving Tips Madhok says the standard coupon scanning sites are also good at generating a list of coupon codes and discounts for mattresses: Try CashbackMonitor.com and other sites like it to see where you can get cash back.