Let me put it this way: don't. Or consider buying a newer used car.

$0.02: If you can keep your 2004 on the road for less than a new car payment, and can suffer the downtime for repair, just don't. The price of new vehicles is way more out-of-whack with inflation and wages than ever before. Also, it looks like manufacturers have become more crafty at steering you back to the dealership for repairs.

My recent new car experience, after retiring a 17 year old vehicle, left me floored with how normalized "spending the day at the dealership" had become. They almost fought me to drop the car off for a recall at a scheduled appointment time, instead of just using the key drop. No thanks, I won't be watching bad cable, drinking bad coffee, all while huffing new tire and brake cleaner fumes all day. This is not the great service you think it is, thank you.