You surely haven't overlooked your insurance requirements?
Collision on a new car, plus Liability?
This is pretty hefty for your age group.
Your parents might consider their name as ownership, and you as a second driver. Not sure if this will save anything.
One consideration, even if it is in your name only.
As cosigners, and/or,
even helping you with a down payment, W I L L put them at Risk if you have an accident and are at fault.
Civil suits are a sure thing, if damages or injury is over and above your minimum insurance requirements.
You and your parents need to be aware of this.
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