Hello there Evangeline,
Real Estate can be an expensive field to enter into. Depending on where you are, real estate classes, registration and test fees, business cards, and brokerage fees you can expect to spend anywhere from $1000 - $2000 getting started.
The great news is that all brokerages are different! For example, in my area, we have a high military concentration and so many brokerages offer to reimburse Veterans for the cost of their classes as an incentive. Nothing is set in stone and the best thing to do would be to start interviewing with brokers in your city. Even before you start your classes, brokers will be willing to meet with you to answer all of your questions! For my office, there are no monthly fees of any kind. You'll also be able to set your own hours regardless of the fees that you pay. As a real estate agent in Texas, you are considered an independent contractor and set business hours are for employees.
Regarding the auto policy, this policy is mainly there if you were to eve have a client riding in your car with your during an accident. Regardless of what happened, because you are an independent contractor working for your broker, your brokerage could be help liable. But again, every office is different!