<prompt> Human: I live in Michigan, am 26, and about to finally get my first car. However, the best insurance rate I can find is still over 170 dollars a month. Meanwhile, I still have rent, debt, and various other bills to pay each month. If I commit to this insurance plan, Ill not be able to save any kind of money at all and will be living paycheck-to-paycheck.Is there any way I can get a better rate? What can I do? I have absolutely no idea what Im doing and dont want to be taken advantage of by an insurance broker.Assistant: Insuring a car is part of the cost of owning an operating a car. You are wise to express concern about the cost now. If 170 a month would cause you to live paycheck-to-paycheck, I think your overall financial health may not be great. Whats your yearly income and what are all of your monthly expenses?Human: Rent is the biggest expense. I make about 1200 a month at my job, and between rent and the insurance thats over half my paycheck. Combine debt I have to pay back, groceries, and helping my family with their expenses, that hardly leaves me any money to set aside for savings.Youre absolutely right, my financial health isnt the greatest. However, you need a car to be able to travel in this area, and I cant find a better job without one.  <response>: Well, if youre struggling yourself, I can say youre hardly in any position to help your family with their expenses.On another note, you definitely should pursue a higher paying job through any means possible. If youre working full time, thats basically minimum wage. 