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My first advice - spend time to do the math so you know all the costs. And to do that you need more information
It’s a bad sign that you don’t know the payoff for your current car. Give them a call and get the payoff and the interest rate you are paying. Consider paying extra each month so you are no longer under water with the loan.
As already mentioned, look hard to find a better insurance rate. If it’s bad now it won’t get better just because you buy a different car.
Submit your car to get a quote from Carvana, KBB, snow any other online source you can fine.
Once you get all the info, make a plan to either keep it and pay it off, or to make a deal and trade it in. Remember that if you pay it off you will have the option of canceling your collision and comprehensive insurance. I spent many years with only liability insurance because I was a young driver and that is all I could afford.
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