What should I pay for a 2020 Volvo XC40?

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What should I pay for a 2020 Volvo XC40?
The Manufacturer's Suggested Retail Price (MSRP) on a 2020 Volvo XC40 starts at $34,695 for the FWD T4 Momentum, including the $995 destination fee. Adding all-wheel drive and the more powerful 2.0-liter turbo, the T5 Momentum brings the price to $36,695.

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