2020 xc60 Bay Area 452 month

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2020 t5 fwd Xc60 with metallic paint, 20” wheels, premiere package, heated seats and Navi. 47,495 msrp.

Lowest quote I have been able to get is 452+tax and 3k drive off (taxes, fees and first month payment) I have tried multiple dealers and this was lowest. Should I keep trying? When I look at brokers, there’s fee + delivery and it starts getting close to the down payment I would need to do anyways.

Any feedback would be greatly appreciated

How horrible of a deal is this?

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