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I got Ripped off?

I bought a Civic LX 2006 for $15500, plus tax and plate, total $17600, i’ve paid $5000 as down payment, financed $12600 with 60 months to pay monthly. at first, it seems like a sweet deal, but when I got my loan payments, the payment is $325.40, when I calculate my payment on bankrate.com calculator, it doesn’t seem right, I was offered 2 options, 1, interest rate 11% monthly and 2. 7% with complete auto insurance, meaning if the car is stolen, I’ll be covered, which I never received anything about this. Now, even if I go with 11% interest, the most i should pay is $273.95 per month, with 7% i should’ve pay $249.60 per month,
what should I do now? The sale receipt of the car is listed $15500 as sale price, do I have any chance to win this in the courtroom?

Same thing happened to me last week when I bought my 2004 Saturn Ion 3. And this was prior to them adding the “bumper-to-bumper” warranty (allegedly at no cost). They told me it was that high due to some way the interest is charged annually. Plus, they added nearly $1200 in “dealer fees” and other, unspecified, charges.

All it does is highly motivate me to pay it off as soon as possible — which they discouraged, saying, “No, take your time.”