<prompt> Human: I posted here last week regarding my issues with getting a car with reasonable insurance rates. Ive had two accidents within the last 5 years. My last accident was last month in which my car was totaled and insurance gave me 6500. I just found a 2010 Acura TSX which is 10,321. I just got a credit card in January and when trying to get approved for financing they said my interest rate would be 19 and the limit I could put down for the car is 4500 instead of my full 6500. Im not the best at saving either. I only have 950 in my savings. I need a reliable car for work and school and I cannot rely on public transportation. I used to make approx. 1600 a month, but now its around 1200. Car insurance alone is 246 right now and no matter what other car I get it will get higher.  <response>: God no. Ive had two accidents within the last 5 years Car insurance alone is 246 right nowYou need to pay cash for a well-used Honda Civic, Toyota Corolla, or possibly a Geo MetroFord EscortDodge Neon. Youll be throwing half your monthly income at a car with the route you want to go down. 