before you get a new card, what kinda comp do you have? if it is made for gaming(i.e. Alienware), most likely it will already have a competent card. If it isn't (i.e. gateway, hewlett packard), then it probably has integrated graphics.
But yeah good vid cards can be pricy (200+)
and they are very easy to install you open ur comp stick it in the slot and install the included drivers.