I did speak with someone from mercury and he gave me a quote which stated that progressive was the lowest. Now as for getting what I wanted, due to my little to no credit history I was only approved for the SE at $25,000. It's good because now I can just up grade the systems that I want later on and not have it rise my monthly payment . The only thing I will miss is the vista roof which is what I wanted most of all and according to the dealer I will never be able to put on after purchase. I can only get a sunroof if I want to up grade later. But I am just thank full to have my first new car. Thanks for your advice.