We have the exact car except we also have power steering ($160) and we paid sticker price plus $389 dealer fee, plus tax, plus life insurance on the loan, and our out the door price was $16,200. So yours probably is $15,700 out the door.
Yes, you are paying a premium, but you enjoy the gas savings and pure enjoyment of the car a year early. Your decision is whether the premium is worth it to you? What kind of gas mileage do you get now? Will you save enough to make up some of that premium? Will you save on Insurance over what you drive now? Just some things to think about while you make up your mind.
Hope this helps! We have #2 on order. We love our smart.