Do I need to have insurance before I come there and try to get a car or talk with them and choose a car and then go get insurance?

Only if you know what kind of car you are getting. Yes while you are there.

You don’t have to have insurance until you buy the car. If you don’t have insurance, we can help refer you to a local agent to get you the best rate.

Yes.

Thank you so much! I know it probably depends strictly on your credit situation, but is there anyway they accept a down payment as low as $300-$400 or pay some one week and some the next and still get to take the car?