the best way is to try to educate yourself. i can't emphasize enough to make up one of those spreadsheets on www.carbuyingtips.com . it will help walk you through every cost associated with the car, the taxes even. it will breakdown what payment per month you could expect at a given interest rate spreadover whatever term. you can factor trade-ins, downpayments, etc onto that sheet. you can input the mfr to dealer incentives that you have found out about. there are some other fees that they helpyou guesstimate that you will want subtracted form the costof your car.
seriously LOOK INTO IT! no reason not to, but every reason to fill it out!!!