Payment?

Hello together ,I know this fits here not quite so pure but found nothing more suitable. So I am currently driving a relatively new car (09).I am now going to school again and there is the insurance clearly too high, therefore I want to buy a used car. Now the used car dealer offers a payment. can I perceive the if the value of my car (new 13000€) the value of the car that interests me significantly exceeds (approx.:2000Euro)? Help !!! MFG