I always thought that my first car would be a used car - either a civic or a corolla - but with the tax incentives and increased mileage, I decided that I would purchase a new hybrid as my first car. Problem is, I'm buying now, just before the 05s are going to hit the market, and at a time when it's hard to find a fair price for a hybrid because of the run on the market.

I was just quoted $20,610 for a 2004 HCH. It's below sticker price, and if I buy it now, I know I will qualify for the good interest rates they have at the moment. Still, I feel like I should be paying less. Essentially, it's a year old even though it's a new car. It's not the ideal color. I wanted Opal Silver Blue metallic or whatever it's called. Should I wait? Will I wind up screwing myself by waiting? Should I just buy a used car or even a new civic or corolla and wait out this crazy hybrid rush?

Any advice would be much appreciated.