Advice needed: 2021 xC90 Momentum ~$55K or 2017 Inscription with Air, Bowers ~$45K
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    1. #1

      Advice needed: 2021 xC90 Momentum ~$55K or 2017 Inscription with Air, Bowers ~$45K

      the 2017 has 16K miles.
      https://www.volvocarssouthshore.com/...c8f57bf9fb.htm

      thank you

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    3. #2
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      Quote Originally Posted by mikeckirk2020 View Post
      Assuming nothing wrong with the car condition, I'd get the 2017 CPO and buy extended CPO warranty to cover 10 year.
      vip.steingold.com with coupon code SWEDESPEEDCPO (maybe).

      Bowers, and ventilated seats is something you can't get on Momentum.
      Last edited by FusionRedXC60; 10-04-2020 at 03:02 PM.
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    4. #3
      Junior Member badcyclist's Avatar
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      As a rule, I mistrust used cars and tend to think that you are going to be buying other peoples' problems. It is an especially big risk when you are buying an expensive luxury car.

      There are exceptions to every rule, however, and this might be one of them. I don't disagree with FusionRed, but would add that you really need to do your homework to find out the car's repair and accident history. If you are willing to invest some time into reassuring yourself that the car is solid and had a responsible owner, then I would be tempted by the used car, because of the low mileage and the B&W stereo. I personally don't care about the air shocks, but I know that many people who have them love them and relatively few regret getting them.

      Definitely agree that either way you should seriously consider the extended warranty. I have not had to use mine, but am happy that I have it, because who knows what is around the corner and this is an expensive and complex car.
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    6. #4
      Member BigBang's Avatar
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      2021 xC90 Momentum, this is a car that is 4 years newer, all the problems that existed on the 2016/2017 models have been fixed in the 2021 model
      Here is a list of problems for MY2017
      https://www.aboutautomobile.com/Tech...017/Volvo/XC90
      2018 XC60 T5 R-Design

    7. #5
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      Depends on what's important to you.

      I personally have been getting CPO/used cars because I value more features and quality concerns and usable life issues can be mitigated.

      A CPO MY17 with a VIP warranty is a pretty safe bet IMO. It just needs more homework in verifying service history and vehicle inspection prior to purchase (quantifying how much other ppl's problems you're inheriting). I've exercised my extended warranty to the point that it has already paid for itself and then some but I got a MY16 which is a known bad year. MY17 from what I gather seems to be vastly improved. But regardless, I would say VIP warranty is mandatory with the XC90.

      Yes, a MY21 should be pretty solid by now but the B/W (it's amazing) and other features in Inscription really help elevate the luxury experience and for less money. Perhaps look for a MY18 to split the difference.
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    8. #6
      Junior Member ButchIVIX's Avatar
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      Let me start that I got a '20 XC90 T6 Inscription (see my signature for add'l features) for $56.8K in April. No B&W (HK is good enough for us), and no air suspension (bad experiences from them). I personally don't like buying used luxury cars, just like badcyclist mentioned on his opening statement. I guess, it depends on your priorities and preferences. If you're spending $55k on a brand new XC90, try getting an Inscription or R-Design at least.
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    9. #7
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      Quote Originally Posted by FusionRedXC60 View Post
      Assuming nothing wrong with the car condition, I'd get the 2017 CPO and buy extended CPO warranty to cover 10 year.
      vip.steingold.com with coupon code SWEDESPEEDCPO (maybe).

      Bowers, and ventilated seats is something you can't get on Momentum.
      Thanks for the shoutout! Here’s the link: https://vip.steingold.com/shop/Volvo...nty-Upgrades/8


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      So are California residents out of luck with getting the Steingold VIP warranty? It says the following on their website.
      “IMPORTANT: Due to state regulations, CA residents are NOT ELIGIBLE for online Service Contract purchases. Please contact your local Volvo retailer for immediate assistance.” Are there any comparable extended warranties for CA residents. I am considering buying a MY21 OSD T6 and am seriously considering getting an extended warranty based on the postings I’ve seen on this site. Thanks.

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      I would recommend the 2021 XC90. It’s 4 years newer than the MY17 version and depending upon configuration, every bit as nice as an R Design. I recently had a brand new 21 XC90 Momentum as a service loaner while my V90 was in the shop. I did not sense any difference in trim level from the standpoint of one being higher than the other. If you can afford the MY21 and you like it, I say go for it.
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      See if you can get the history on the 17 and if it's not scary, I'd take it and add a +5 year CPO warranty on it. The 17 only has 16k miles on it, is sold Volvo certified, still has somewhere in the 1-2 year factory warranty balance. My only hesitation with the 17 would be the air suspension; while I'm sure the warranty covers the mechanicals, I'm not clear on how much/little/if any of those are considered wear-and-tear and maybe not covered; I just don't know. If mfr warranty + CPO cover that, I'd take it.

      fyi: I got my early Momentum MY16 about 1.5 years ago with 24k, have had few minor issues 100% warranty covered, and have loved it. I added 5yr CPO for about 2.3k? and it's covered through 2026.

      Last point - I'm just comparing them relatively, I really don't know if 45k for a '17 in your neck of the woods is a good price or not. My gut feels like that's high but I'm not shopping the market right now. 40k or under feels a lot better...

    13. #11
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      I mean... with any used vehicle you want to know why it is for sale. It's a bit silly to think of it as someone elses problems when there is a perfectly valid and verifiable reason... in the case above, it's a lease vehicle. And leasing makes sense for lots of folks, and buying out your lease at the end rarely makes sense... so why would you NOT expect this car to be on the market today?

      It does look like it might have gone a little bit long for time on the first service, but certainly was under on miles. Probably not all that different than a car that was sitting on a lot and then the customer waited a year to do the oil change anyhow. Otherwise, I don't see anything in the car fax that would scare me off. With Volvos CPO warranty and extensions, if you're the type to keep a car a long time, there really isn't a better way to go IMO. New is great, and you can be more picky about how it's equipped, but you can save some good money and get nearly as nice.

      This particular vehicle has B&W with a CD (not even available with CD anymore). it's got all three packages and the air suspension... all this is covered under the warranty. New then was $72460. Today a similar build comes in at $74375. All it's missing is the massaging seats.
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    14. #12
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      I have a fully loaded Black 2017 XC90 T8 and could not be happier. While there have been updates to the car to fix known issues, once done the problems have been essentially eliminated. So it comes down to what you want in the car. I really like how the Inscription looks, especially the leather seats. While my car has the massaging seats it is something we rarely use or remember to use. However, all the other stuff really adds to the cars "special feeling". Both cars are essentially the same in terms of platform. So you will really not gain a lot with the 2021. Some suggest that Sensus is faster in the newer vehicle. I have not had a problem with ours and do not feel it is lacking. I really love the Bowers and Wilkins upgrade and consider that one of the best stereos one can get. I also really like the air suspension. Forums like ours tend to highlight problems more so than happy campers. Keep that in mind. In the end it is what you are happy with. The fact that you can add up to 10 years of coverage is pretty nice and as I understand is associated only with CPO cars. If we were talking about the new platform for the XC90 coming out in 2022 then I would probably go with the new vehicle. But the 2017 and 2021 are essentially the same car with minor differences in component changes. By the way I like DFrantz's take on the car in the previous post. Some people treat their leases better than those who own their cars.
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      As great as my xc90 is, from whats been needed under warenty for mine I suspect this vehicle will be a large money pit outside of warenty.

      The dealers know this, after purchasing the car you are a comoditized asset for the future repair work. <- first time I've seen a dealer not try and hide this

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      Offer $40K, take the $5K you saved and buy a VIP warranty.

      At $45K it would need to be fully loaded to the top for that price. It was probably a trade in and the I’m sure the dealer offered the seller around $38K or less.

      Just traded in our 2019 T6 Inscription, 21,000 miles, advance pkg, heated front rear seats, with upgraded wheels. Got $45K from dealer. They’ll probably try and sell it for $50K, settle around $47K-$48K.

      As a 2017 with such low miles...there may be a reason for that.

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      Quote Originally Posted by ButchIVIX View Post
      Let me start that I got a '20 XC90 T6 Inscription (see my signature for add'l features) for $56.8K in April. No B&W (HK is good enough for us), and no air suspension (bad experiences from them). I personally don't like buying used luxury cars, just like badcyclist mentioned on his opening statement. I guess, it depends on your priorities and preferences. If you're spending $55k on a brand new XC90, try getting an Inscription or R-Design at least.
      Personally, I think that anyone who buys a brand new car, particularly a luxury car, must have money to burn
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      Junior Member Ultrarunner511's Avatar
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      Quote Originally Posted by Noonzio View Post
      Personally, I think that anyone who buys a brand new car, particularly a luxury car, must have money to burn
      I could use the same thought about any person modifying their ride. Whether its a new intake on a V70R, or it's a complete rebuild of a P1800.

      Live and let live.

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      Quote Originally Posted by Ultrarunner511 View Post
      I could use the same thought about any person modifying their ride. Whether its a new intake on a V70R, or it's a complete rebuild of a P1800.

      Live and let live.

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      Yep, makes sense - someone who puts a new intake on their V70R has money to burn
      2016 XC90 T6 Inscription (71k)
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    20. #18
      Junior Member ButchIVIX's Avatar
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      Quote Originally Posted by Noonzio View Post
      Personally, I think that anyone who buys a brand new car, particularly a luxury car, must have money to burn
      Fair opinion, but does not necessarily apply across the board. I don't buy cars every three, four, or five years. My last car, '08 XC90, was 12 years when I decided to update it this year. Except for oil changes, tires and AC solenoid switch and dryer, it was pretty bulletproof while I had it. I work on all of our four cars for a hobby. I don't consider cars as investments, the reason I buy new, and keep them for as long as economically feasible. The trick is to buy new at the lowest possible price. My '20 XC90 listed at $71K MSRP, but I bought it for $56.7K (see my signature). The rest of my cars were purchased at -18% to -20% of MSRP. How did I do it? When you don't have money to burn, you become resourceful. I use the internet, email, and phone to my advantage and made sure the dealers fight for my business.
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    21. #19
      Junior Member badcyclist's Avatar
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      You can say exactly the same thing about anyone who buys a used luxury car-- they have money to burn. Anyone who buys a car who doesn't absolutely need one, and then spends extra money on things that aren't strictly necessary and utilitarian, has money to burn.

      For me, here is the thing: if you buy a new car with a new car warranty and decent state legal protections like lemon laws, you know pretty much how much money you are going to burn over the next five years or so. If you buy a used car without an equivalent warranty or legal protections, you know the purchase price but you do not know how much money you are going to burn after that. Your cheaper initial outlay can become very expensive very quickly. Not saying anything about Volvo warranties, but used car warranties too often are not nearly as good as new car warranties. That's why I think you need to be extra careful when buying a used luxury car. If you trust the dealer, do due diligence on the car, and you can get a factory-backed warranty, then fine. If not, you might marry in haste and repent at leisure.
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      Junior Member OURDESIGN's Avatar
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      Quote Originally Posted by saejin View Post
      As a 2017 with such low miles...there may be a reason for that.
      Yeah like they don’t drive it much or far. My wife quit her job when we had our first in 2018 so our 2017 XC90 has less than 19k miles. Sometimes you can actually buy a good used car and there’s no “story” behind it.

    23. #21
      Junior Member ButchIVIX's Avatar
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      Quote Originally Posted by badcyclist View Post
      You can say exactly the same thing about anyone who buys a used luxury car-- they have money to burn. Anyone who buys a car who doesn't absolutely need one, and then spends extra money on things that aren't strictly necessary and utilitarian, has money to burn.

      For me, here is the thing: if you buy a new car with a new car warranty and decent state legal protections like lemon laws, you know pretty much how much money you are going to burn over the next five years or so. If you buy a used car without an equivalent warranty or legal protections, you know the purchase price but you do not know how much money you are going to burn after that. Your cheaper initial outlay can become very expensive very quickly. Not saying anything about Volvo warranties, but used car warranties too often are not nearly as good as new car warranties. That's why I think you need to be extra careful when buying a used luxury car. If you trust the dealer, do due diligence on the car, and you can get a factory-backed warranty, then fine. If not, you might marry in haste and repent at leisure.
      +1! Amen! I have never bought a used car, except when I was in the military and stationed overseas. My first XC90 was a lemon. After some "mild tussling" with VCNA and with some help from the Florida Lemon Law, they replaced it. If that was a used car, who knows? The engine pretty much died because of internal and external oil leaks, the early 3.2L problems. I guess, to each his/her own!
      2020 XC90 T6 Inscription - Luxury, Advanced, & Protection Packages; Park Assist Pilot; 21" 8-Multi Spoke Alloy Wheels
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    24. #22
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      Quote Originally Posted by ButchIVIX View Post
      +1! Amen! I have never bought a used car, except when I was in the military and stationed overseas. My first XC90 was a lemon. After some "mild tussling" with VCNA and with some help from the Florida Lemon Law, they replaced it. If that was a used car, who knows? The engine pretty much died because of internal and external oil leaks, the early 3.2L problems. I guess, to each his/her own!
      This is why CPO with warranty is useful. It covers major issues. An expensive used car out of warranty is indeed quite risky as you never know what may have happened before, such as slightly engine overheating.
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      Quote Originally Posted by mikeckirk2020 View Post
      My wife and I bought our 2016 Inscription T8 used in 2017 and it's been the best car we've ever owned. It still had the factory warranty and we purchased the Steingold extended warranty afterwards. We've had some issues with it but they were covered by either the factory warranty or extended warranty. There's definitely an argument for buying new (less chance of a major issue, factory warranty), but it all comes down to how price sensitive you are. Also, if nobody ever buys a new car, there won't ever be used cars for me to buy.

      Just my opinion but I would go for the 2017. You'll get a nicer interior, Bowers and Wilkins sound, and rear window shades. If you have kids, the rear window shades are amazing. You'll still get the Volvo CPO warranty should anything go wrong. Also, with a CPO, a chunk of depreciation has already gone away, so your total cost of ownership will most likely be less.
      2016 XC90 T8 Inscription

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      Quote Originally Posted by ButchIVIX View Post
      +1! Amen! I have never bought a used car, except when I was in the military and stationed overseas. My first XC90 was a lemon. After some "mild tussling" with VCNA and with some help from the Florida Lemon Law, they replaced it. If that was a used car, who knows? The engine pretty much died because of internal and external oil leaks, the early 3.2L problems. I guess, to each his/her own!
      Used cars can have factory warranties too
      2016 XC90 T6 Inscription (71k)
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    27. #25
      Quote Originally Posted by mikeckirk2020 View Post
      My 2 Cents:

      You're talking a 10K difference. If it were me, I'd get the 2021. All the newest tech an you could probably negotiate some to get the price down. The 2017 uses an old Sensus System that people have complained is slow and sluggish. The system has been updated.

      Furthermore, you're going to be paying 45K for a 5 year old car. 16K or not, that's not much a bargain.

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      Quote Originally Posted by MyVolvoS60 View Post
      My 2 Cents:

      You're talking a 10K difference. If it were me, I'd get the 2021. All the newest tech an you could probably negotiate some to get the price down. The 2017 uses an old Sensus System that people have complained is slow and sluggish. The system has been updated.

      Furthermore, you're going to be paying 45K for a 5 year old car. 16K or not, that's not much a bargain.
      Your math is so wrong, a 2017 car usually has a late 2016 build date, so it's a 4 year old car instead of 5.

    29. #27
      Quote Originally Posted by kevintinple View Post
      Your math is so wrong, a 2017 car usually has a late 2016 build date, so it's a 4 year old car instead of 5.
      Seriously? ....I typed 5 instead of 4. Sue me.

      10K less to buy a [B]4 YEAR OLD[ USED/B] car or get a BRAND NEW one that has all the latest tech. Gee....My argument is so flawed.

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      Quote Originally Posted by MyVolvoS60 View Post
      Seriously? ....I typed 5 instead of 4. Sue me.

      10K less to buy a [B]4 YEAR OLD[ USED/B] car or get a BRAND NEW one that has all the latest tech. Gee....My argument is so flawed.
      I was simply pointed out your math was wrong, nothing more nothing less.
      Glad you admitted it.

    31. #29
      Quote Originally Posted by kevintinple View Post
      I was simply pointed out your math was wrong, nothing more nothing less.
      Glad you admitted it.
      .....And this affects the overall argument...HOW?

      1. 2017 CPO XC90 (USED) with 16K miles for $45,000. 5 Year / Unlimited Mile Warranty...with AT BEST 2 years remaining. At worst 1 (2016 Build). Meaning an extended warranty is a few grand.

      2. A new 2021 for $55K with all the latest safety and tech and an upgraded Sensus. Full 4 year / 50,000 mile warranty.

      Unless Op is strapped for cash, I see little argument favoring the 2017.....

    32. #30
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      Quote Originally Posted by MyVolvoS60 View Post
      .....And this affects the overall argument...HOW?

      1. 2017 CPO XC90 (USED) with 16K miles for $45,000. 5 Year / Unlimited Mile Warranty...with AT BEST 2 years remaining. At worst 1 (2016 Build). Meaning an extended warranty is a few grand.

      2. A new 2021 for $55K with all the latest safety and tech and an upgraded Sensus. Full 4 year / 50,000 mile warranty.

      Unless Op is strapped for cash, I see little argument favoring the 2017.....
      New 2021 of $55k is not as loaded as the 2017 CPO in this case. Need to add inscription, Air suspension, B&W, etc.
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    33. #31
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      Quote Originally Posted by MyVolvoS60 View Post
      Quote Originally Posted by mikeckirk2020 View Post
      My 2 Cents:

      You're talking a 10K difference. If it were me, I'd get the 2021. All the newest tech an you could probably negotiate some to get the price down. The 2017 uses an old Sensus System that people have complained is slow and sluggish. The system has been updated.

      Furthermore, you're going to be paying 45K for a 5 year old car. 16K or not, that's not much a bargain.
      I have to agree with this logic. I almost always buy cpo cars. My $97K Audi A8 was purchased for $49K. My $67K S90 was purchased for $28K. These were huge savings. When I bought my wife’s ‘19 XC90 the used ones were only a out $10K less. Add in extending the warranty, prepaid maintenance, slower sensus and less tech, made the new purchase a no brainer. The way the XC90 holds its value I still say buy it new I’d you can.

    34. #32
      Quote Originally Posted by Theanimala View Post
      I have to agree with this logic. I almost always buy cpo cars. My $97K Audi A8 was purchased for $49K. My $67K S90 was purchased for $28K. These were huge savings. When I bought my wife’s ‘19 XC90 the used ones were only a out $10K less. Add in extending the warranty, prepaid maintenance, slower sensus and less tech, made the new purchase a no brainer. The way the XC90 holds its value I still say buy it new I’d you can.
      Exactly. Here the savings is insignificant comparative to the outdated tech and equipment. If OP had come here saying he located a CPO 2017 XC90 with 16K miles for 30K or a 2021 XC90 Momentum for 55K, there would be room for debate. Under the current circumstances, the decision is a No Brainer.

      Buy the 2021 or keep shopping if you'd prefer a CPO instead. The 2017 at $45k is absolutely not a bargain.

      Poor S90's took a huge hit in sales and value. They haven't fared well. I got my 2015.5 FWD S60 with BLIS / Convenience / Heat Seats back in June 2016 as a CPO / Demo. Back then it had the 7 yr / 100K vs 5 Yr Unlimited (not debating the issue). For me, I got the car at 29K vs Sticker of 36K. Or about 20% off MSRP. Along with a Prepaid Maintenance + Wear up to 100K. All together, tax, title, licensing, shipping, Maintenance Plan put me at $32k. So for me a CPO made sense.

      Similar to your Audi A8 with 97K MSRP for 49k (Was it a Rental? Or a few Model Years old). The savings was significant enough that teetering on New Vs. Used wasn't a close call.

    35. #33
      Quote Originally Posted by FusionRedXC60 View Post
      New 2021 of $55k is not as loaded as the 2017 CPO in this case. Need to add inscription, Air suspension, B&W, etc.
      True, but you're still dealing with a 4 year old "Used" car with maybe 1-2 years left on the CPO. Also the 2017 has an out of date and much slower Sensus System. Even with less tech, I would still go for the 2021. $10K isn't enough give or take to justify a 2017 XC90. Loaded or not, it's still a 4 year old used car that's way overpriced.

    36. #34
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      Quote Originally Posted by MyVolvoS60 View Post
      True, but you're still dealing with a 4 year old "Used" car with maybe 1-2 years left on the CPO. Also the 2017 has an out of date and much slower Sensus System. Even with less tech, I would still go for the 2021. $10K isn't enough give or take to justify a 2017 XC90. Loaded or not, it's still a 4 year old used car that's way overpriced.
      To each own, for the 2021 one you still spend more money for less features.
      4 yr old is nothing depends on climate of your area.
      My 20yr old V70XC has no rust whatsoever. Only rubber parts replaced are the coolant hose set in its 18th year.
      Rolling, Fusion Red - 2018 XC60 - T8
      Running to retire, 2000 V70XC 237344 miles [2020-10-13]

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