Did you get into a car accident without insurance? How can there be such a large gap in what it's worth and what you owe?
What are you looking to do? Maybe you can submit your car to pimp my ride.
That's easy to answer….(1) IT's a DODGE…(2) crappy loan terms
The economics of used cars are interesting. The problem with all those incentives that Dodge is piling onto new cars is that it's creating a huge issue with the value of used cars. Also, dodge has crappy resale value, because a good portion of the cars are part of fleet sales to rental companies (which in itself drives the car's value down). Also, dodge has pretty crappy reliability, which factors into resale. Also, the intrepid is a discontinued model (adding additional downward pricing pressure).