I went to my Hyundai dealership this morning. Turns out I may be able to get into a new Elantra for less than 400 a month, with no money down. The only downside is that I'll have two more years worth of car payments (5 on the Elantra, instead of my 3 on the Accent} But its worth it!
I went to my insurance broker, and my insurance is staying virtually the same; 11 dollars more for the year. That's not set in stone, hopefully I can knock a few dollars off. I'm not too sure how well 'haggling' works with insurance companies.
I'll keep you all posted. I'm getting a raise at work too, the main reason why I thought I'd get an Elantra, with the extra money I'll be working on modifications. At least the Beta has potential, as opposed to the Alpha.

 

$400 a month... for how many years...? I pay a little under $200 a month for 5 years...

 

There is a difference between canadian dollars and us dollars, that probably is not bad in canadian dollars.