I think I solved my problem (paritally). I'm going to pay the $4200 a year, but all at once instead of monthly. I was going to use $4000 for down payment on the Tib, but its obviously needs to get my insurance out of the way. So instead of paying $180 bucks a month for the car + 300 for insurance, I'm gonig to use my downpayment money ($4000) towards paying off my insurance for the year and only pay $230 a month for the car. Not bad at all!!!! Ya I'm paying a ridiculous amound of money, but my monthly payment would of been like $480 a month. I think this is the best and possibly only way. I've tried everything and really want that Tib. It's the SE fully loaded except for power locks and leather seats. 5 spd, black, clarion cd player. One owner, perfect condition. 76 000 km for $10 000 + taxes etc. I think it's a good deal what do you guys think? I've already test drove it...awesome!! Here's a pic if your all wondering:

http://storage.msn.com/s1pZ8pl_R1n1zGV7px7...031340855688176

If all goes well and my parents agree of my new found plan lol, then I should have it before next friday!!! I got big plans for this car! Nothing major at first, probably going to work on interior and minor exterior this summer, and then performance next summer. Let's just hope I get it.

 

this plan will work until next year comes around, when the renewal come, you will need a large sum of money again. But it's a good way to get the car you love.