whatever market value is.
I'm not saying that to be crotchety.; mainly just to emphasize that the market prices are what you should focus on, and not KBB/NADA. With the availability of on-line car buying, both are nearly moot IMO.
find about 10 vehicles of similar year, mileage, model etc and see what the prices are. I did this on my wifes Xterra and quickly noticed their price was directly in-line with other used Xterras in about a 100 mile radius. deals are painless when you know what your offer is based upon.
