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4) Keep the trade-in separate. Settle on pricing for the new car first. If you choose to trade in your current vehicle, first call the credit union to determine its value or click on "Resources" for links to top Web sites. Even better, also get a price from a used-car dealer. Negotiate the two deals separately. If you don't like the offer on your trade-in, sell it yourself or to the used-car dealer.

Now it's time to practice negotiating!
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