HOw much do you traded your sunny? My sunny ex, auto, was purchased on Aug 2004, traded in for abt 28k
I believe you probably paid $65,000 for your Sunny in Aug 2004.
You lost $37,000 for 52 months usage which works out to $8,500 a year in depreciation.
With your OMV at $12,000, you stand to depreciate only $310 a month or $3,700 a year for the remaining lifespan of your Sunny.
Isn't it more worth it to continue using your Sunny?