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I bought a Kia Optima (my first new car ever) in late 2014. Even fully loaded it was under the median price quoted in the article, and I got a six-year loan...at 0% interest. I still have about 3.5 years left on the total warranty, with another 5 on the drivetrain after that. My insurance premiums are less than a grand per year. Only thing it's cost so far is oil changes. So this seems like an article looking for a problem to drive clicks.