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I have seen this many times. The tv most likely has run its course. It could be the power supply or a lamp. Sounds more like a lamp, as you still have lights on your set. check around and get some prices on a lamp. you can have a local shop install it for you. or just replace the set.
Insignia is Best Buy's house brand. If it's still under warranty, contact Best Buy. If not, find an electronic repair shop you think you can trust and take it in. There is absolutely nothing you (unless you're an electronics technician) can do to fix it. I know that's not what you wanted to hear, but, that's the way life is now.
I would take it back. I know from purchasing an Insignia LCD from them a while back, the TV just died after about 4 or 5 months. They ended up offering me another TV or with store credit. I took the store credit and chose another TV. I also did not have a warranty. I was told since it was Insignia (which is a Best Buy house brand) that replacing it was not a problem. Good luck.