It's new to me anyway. By the time it was all said and done, I am about $2,000 higher on my loan. That $2,000 bought me a newer year, an AWD, a back up camera, an upgraded paint color, an after market (and better quality) DVD player, a luggage rack, a heads up dash display and a lower deductible with my extended warranty. I'd say it's worth it. I will have to say that it is a huge pain in the rear to settle after someone totals your car. I am happy to say that I am done swapping car seats and cars... for a while now anyway.