Go to a reputable dealer. You will get a better car. And make sure you test drive it. If you are unsure if it is a good car, don't buy it until you have it checked by someone who knows what to look for. As far as insurance, that is up to you. If you are making payments, you have to have full coverage. If you are going to pay cash you can have whatever coverage you want. Talk to you insurance person and see how much the minimun is and how much the maximum is. I would suggest getting the maximum or something in the middle, if you can afford it. It will be worth it if you ever need to use it.
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