Easy REV! OHIO drivers are far worse than IOWA drivers! Then again you live in Florida the retirement state! Seems like BLIND old people "everywhere!"
flaresniper,
Your age has nothing to do with getting a loan. It has to do with your credit rating and dept-to-income ratio! If you don't have a credit card and have never bought anything, YES you will need a co-signer!
I would get a NEW one if I you can handle it. You'll know the history plus it's only going to be $50-100 more a month. I put down $2k and pay $160 a month!
As far as insurance, with your age it isn't going to matter if it's NEW-or-USED! It will be pennies difference for the price you will be paying. Like I said, Dad primary rider and "YOU" secondary rider if he will do it!