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Run three numbers before you shop. First, the next 12 months of likely repairs on your current car (ask your mechanic; be honest). Second, your current payment, if any. Third, the realistic payment on the replacement including insurance change.
If repairs are under about 40% of a year of the new payment, keeping the car is almost always cheaper, even if it is annoying. If repairs are over that, or the car is unsafe or unreliable for your job or family, it is time.
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