That's around $3,000 more than the used market. As soon as you sign your name you will have lost that $3,000 + tax. Insurance companies pay off a totaled vehicle by the used market value. Not by Kelly Blue Book or NADE or what's left on your loan. If for some reason you needed to sell with in the first 12-15 months, you'll only get used value.Used market on low mileage 13s looks to be heading to low $10,000 to below $10,000. If the dealer really wants to move 4 1/2 year old new stock, pricing around $11,500 to $11,900 would be a good deal. If you could get them through in the Honda 4 year extended warranty on the deal that would be a start.