I would suggest you come alone first, leave your wife in India, stay here for three months so you can settle down, for three months you can stay with bachelors/roomates, so you will be able to save more, after 3-4 months you can get your wife to US.
1. You can buy a used car instead of new ,
2. Car insurance you have estimated is too high, if you have no hisotry here, max it would be $100 a month for used car