<prompt> Human: I am a recent college graduate 3 weeks ago buying a brand new car tomorrow. It hasnt hit me yet but now that tomorrow is the day, Im starting to get worried that I havent approached this the right way. I plan on buying a 2018 Honda Civic EX, and my uncle is putting down 5,000 for me as a graduation gift. I can accept the monthly payment of about 300, but dont want to spend much more. When I originally went to the dealership, they tried to tell me that I would be paying x amount exactly each month, but they wouldnt tell me the interest rate, even though that monthly number apparently included the interest. I found this odd. Im going in the morning to a bank to get numbers before I go to the dealership after to close.1 I have an account with suntrust, checking and savings, and no other account. Never had a credit card. My uncle has great credit and said he would co-sign to get a better rate. The dealership said the rate wouldnt be different, but should I bring this up at the bank tomorrow?2 How can I know how much I will spend on car insurance each month? Can I get an estimate online?3 anything else I should know from anyone who is experienced at negotiatingbuying new cars. I want to get the lowest possible price for the car.4 Should I threaten to walk by going to another Honda dealer or a different company like Toyota?Thanks.  <response>: Buy a 5000 car. 