[bpang1234]

I have Progressive and their website has the ability to show me what a change to the policy will do to my rates. I use this when I am making car decisions.

I concur with the other poster telling you it might be best to buy used. Get a 2016 in 2018. Hopefully either well maintained or Certified Pre-Owned. Let another person absorb the first two years of depreciation. It will put you in a much better financial spot than going balls deep into a brand new car when you're only 20-21.

At that age, if I was able to do it all over, I wouldn't have put myself into a loan on an expensive car. Such loans can weigh you down at a point in your life that financial freedom can lead to career growth (for instance taking an awesome internship in your dream job / career field versus having to work an hourly job to cover your loan).