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Just to follow up - we ended up buying our grocery-getter sedan a few months ago (a 2011 Hyundai Sonata) using the USAA car-buying service. Fantastic experience, absolutely no cost or risk to it. Just filled out an online form indicating the specs we wanted, then were contacted by three local dealers with offers within a few days. All of the offers were well under the current KBB/Edmunds/True Car average prices for that car at that time.
Anyway, well worth giving it a try if you are a USAA member.
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