Determine what you'll spend. "The core of negotiation is really knowing the price that you'd like to pay," Gray says. When you back that up with research on how much the dealer paid, and what buyers around the country shelled out, "there's no way a salesman or dealer can really argue with you," she says.

Compare financing options. Nearly 60 percent of female car buyers admitted doing no research on their vehicle loan, according to the Capital One survey. Check out banks, credit unions and online loans for the lowest rates available.

Change the scenery. Feel creeped out in that little office off the showroom? "Once you decide what car you want, go home," advises Sandra Kinsler, editor-in-chief of WomanMotorist.com, an online auto magazine for women. Pick up the phone, or send an e-mail to the salesperson. "You don't have to negotiate in the dealership," she says.

Know that men don't relish the car-buying process either. Car buyer Edmond Banayan reports that he brought his brother along to overcome the same concerns women have about being ripped off. "From a man's perspective, we're no different," he says.

Prepare for the worse, but understand that car dealerships increasingly recognize women wield buying power. Kim Pleticha of Austin says she "steeled" herself for the trip to the dealership, but found a courteous salesman who confirmed that women call the shots, especially when it comes to family cars. "I had my feminist hackles up and was ready to fight," she says. "Talk about being deflated."

Pore over the final contract. Most dealers will let you bring a blank copy home prior to the sale, giving you a chance to review the fine print. Make sure everything you've been promised is included before you sign.