Hello everyone, I've been taking a look at a few Honda Accord and I set my eyes on this Accord Touring ( only because it's the only 2.0T that available near me ). I'm being offered 2 different prices 1 from inhouse sales person and 1 from online sales ( same location ). First guy offered $39000 before tax, and the online person offered $37500 before tax. Conclusion : how much can I negotiate the price like $4000 dollars down or $3000 down ?.
Another question : I'm only 22 at the moment, my family have a very clean driving records. They was trying to add my name under their insurance, does anyone know how much insurance is going to be per month ( roughly or estimate ).

Sorry for my broken english, I have quite a lot of questions since it is my first time buying a car any helps is appreciate!