I am a first time buyer with no real budget so I wasn’t looking to have my hopes let down by anything however, I had a goal in mind. It was to get a new vehicle from a dealership that came with a manufacturer warranty on the vehicle as well as low mileage on the vehicle & it be relatively new (year wise). I ended up coming across a 2020 Honda Civic sport for the listing price online at $23,000 & some change. The car has 7000 miles and some chains on it with one previous owner and no accidents reported however cosmetically it had a couple of scratches. Big enough for me to want to find other options to look brand new if possible (no luck with that). Took it for a test drive, it drives beautifully. I’m not gonna lie it drives smooth for a Honda 2020 (2year old car so t speak). I wasn’t expecting that to be upfront. NOW what got me DISCOURAGED was before even stepping into the finance office I’ll let them know. I wasn’t looking to pay the documentation fee, as I was looking into the dealership that I was working at for a deal to possibly work in my favor with a discount from my employer, which happens to own multiple dealerships, which is why I went to this dealership in particular, looking for this vehicle, since it was owned by the company I work for. I was expecting to get some sort of a discount on it (hopefully considerably big). Long story short, I was already looking at around $27,300 thousand dollars with tax doc, dmv fee, & sales tax. Before even talking about how I was gonna finance this vehicle. Correct me if I’m wrong but, I can expect some more added to the total after talking to the finance department.(I have a 720 credit score) So now I’m concerned if the $27,000 I’m thinking about financing this 2020 vehicle for is a good deal at all?? This vehicle is a certified pre owned Honda car so it does come with the manufacturer warranty for 5 years or up to 100,000 miles. Or would getting a new car which starts at 28/29k before fees and taxes (so prob like 35/37K… 0-4 miles, completely redesigned and more stylish as well as slightly more spacious, no scratches and comes with manufacturer warranty. Then to for it to depreciate 15-30% in value soon as I drive off?? I need help with understanding if this is a good purchase or not. I’m 23 and do not want to fuck up. Please keep in mind Kelly blue book values this car on average with 22,000 miles for a value of $22,000-$25,000. I am trying to make sense of it all. Insurance on this would be about $150 monthly full coverage. However by the time I needed to put insurance on it since the salesman claimed before going into finance (it has to be insured already??) is that even true ?? But anyway is this a good value for the car I’m getting or would I be better off looking at a different car brand or model at around the same or cheaper price point keeping in mind all the things that I am looking for in a car fundamentally? I appreciate anyone’s help!!