I am looking to buy a 4×4 truck or mini suv of some sort ranging from $3000 to $7000. I know this is a hard thing to answer but if anyone can give me some tips and rough estimates that would be great! Im 19 years old, I have 3 credit cards all payed on time and a cellphone contract. I have a 600 something credit score and I am wondering how much a car payment would be without a co-signer? Also what is up with insurance companies? They want to charge me $300 to $400 dollars a month on any car year make or model monthly without even checking my back round…Is there some place where I can get cheaper rates? I cant afford that crap.

Any help is appreciated, thanks!