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How much should I pay and negotiate for 2010 Toyota Corolla XLE, 2009 Honda Civic EX-L?

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How much should I pay and negotiate for 2010 Toyota Corolla XLE, 2009 Honda Civic EX-L?

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My girlfriend and I were recently in a car crash, and the insurance considers the car totaled. We expect, based on Kelly Blue Book, approximately $12k-$13k back. We’ve begun to look at cars to purchase, but neither of us are well versed in negotiations. We’ve bought a Consumer’s Report (CR) book on 2010 cars, and it seems to suggest we should be able to negotiate below the manufacturer’s MSRP (not the dealer’s retail price that includes the dealer’s markup). How do I get below that? What are the strategies or angles that I should work? The two cars I’m looking at are the 2010 Toyota Corolla LE automatic 4-door and 2009 Honda Civic EX-L automatic 4-door: (1) ON THE 2010 TOYOTA COROLLA, dealer wants to sell it at $17,950. MSRP is $16,750. CR says dealer invoice is $15,326. Dealer was willing to negotiate to $16,500 w/ 0% interest rate on 36 months, but saving $250 doesn’t seem like much. He also seemed willing to sell at $15,000 if we paid off in full with cash, but we never finalized th

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