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Not much of a risk factor when spending $20,000 or less on a quality used vehicle. Stay with a 1/2 year old vehicle with low miles and still under full factory warranty that is transferrable to you. Let somebody else take the huge depreciation on the new vehicle. Some personal favorites in your price range in no particular order: 04 accura 3.2tl, Honda Accord EX, Toyota Camry, Nissan altima or maxima.
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