Hi Mama-
I have a phonezoo account. It's totally free. While not all of the "brand name" songs are there, many of them are. You can search by genre or title and listen to them to see if you really like them- the whole tone. The thing I like the most is that since a lot of these are made by other people who like free stuff, the tones are longer- 20 to 30 seconds. All you need is an e-mail account and a password. I do not get any e-mails from them regularly except when I update my account, which is almost never.
I have used it for a couple of years now. Just make sure your phone has the ability to save audio text files as ringtones. Try one as a download, then click on options and save as ringtone. I have verizon, too, and my last phone (it was an older flip phone) did not work. But my EnV3 works great.
Good luck!
And you should never have to pay for ring tones. =)
-E. M