<prompt> Human: Hello I am planning on making my first major investment by buying a new 2018 Prius C Two from a local dealer for 19,000 and trading in my older 2009 Kia Rio that has become too much of a maintenance hassle. I only expect to get a few hundred dollars from the trade in so thats not my issue. My main concern is how to finance the purchase. I already have two plans set up but am not sure of which one is more beneficial. I recently got a credit card from my bank to build my credit and it has a limit of 5000 and 0 apr for the first 6 months and rises to 23-25 after the 6 month period.My first plan was to use the credit card to pay a 4000 down payment and apply for financing with the dealership to cover the other 15000 over the course of 36 months. My credit score I got with my credit card in the mail should get me an auto financing apr of around 5 leaving me with a monthly payment of 450 dollars. If I pay off my credit card debt at 500 a month for 6 months Ill have 1000 left to pay when the apr rises and overall would be making around 1000 a month in auto payments.At my job I make 17.31 an hour and work 40 hours a week. In total after taxes, union fees, and retirement saving deposits, I make around 2000 a month. I also have 2500 saved up currently. I also live with my parents and my necessary living expenses are in the 300 range.My other option is to use the money I currently have saved to put a 1500 down payment and pay 524 to the dealership per month with no credit card payments and just try to build my credit with a more regular purchase.Based on the two options, would using the credit cards 0 apr for the first 6 months save me money in the long term or should I just use the money I have saved and pay slightly less over the course of 3 years?When I do all the math if I go with the credit card plan I should end up paying 100-200 dollars more overall due to the 23-25 apr coming into effect. Is this worth my credit score possibly increasing?Assistant: 450 is a pretty big car payment. Insurance on a newer, financed car is going to be more expensive too. I would look for a cheaper car if I were you. Human: I see what you mean about the car payments but how high would I expect insurance payments? I used the nerdwallet car insurance estimate tool to get a general range for car insurance in New York and it estimated from 88-155 dollars a month. If were talking on the higher end of that then thats not too far off for what I pay now for my Kia. I pay 117 a month for the insurance I have now with progressive, and that only covers the basics and comprehensive.  <response>: Generally with a financed car you have to get full comprehensive and collision, more than required by the state minimums. The bank or dealer whoever owns the title to the car requires it. 