Should I Upgrade After 1 Year?

Carmax is offering me exactly what I paid for my 2026 Premium RWD. With Tesla’s 0.99% offer, I can move into a new 2027 Premium AWD for $1 less a month. My existing loan has 48 months left, so I would be extending that to 72 months which means the upgrade will run me an additional $13,000. The change would also reset my warranty which has some inherent value although no where close to $13k.