Someone backed into my car in a parking lot and the insurance company is totalling the car to fix it.  I started looking around and most places are offering cars above MSRP.  Anyone know if it's possible to buy a new car below MSRP with the way prices are going?  I'm trying to get a 3 row midsize SUV(Grand Highlander, CX90, Pilot, Telluride, Pallisade).  I looked at buying through costco or the credit union and at MSRP is their price.  Thoughts?