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Are you talking about the State Farm commercial with the asian guy driving in a car? Because that song is "Point of No Return" by Kansas. Here's a video with that song. Hope this helps. :)
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I don't have much to say, because the people who answered before me pretty much said everything I was going to. Haha. I just wanted to say that I went through what you're going through, and I got...

It sounds like you're talking about "I'll Be Missing You" by Puff Daddy. It's an awesome song. :)

Here's a YouTube video with the song.

YouTube - Puff Daddy/Faith Evans/112 - I'll Be Missing...

Oh sorry... I didn't see the urban environment thing... nevermind. Haha.

There's a newer Thirteen Ghosts... Made in like, the early 2000's... that may be it.

Yeah, they're actually saying "it's all been done" instead of "it's all in love"

"It's All Been Done" by Barenaked Ladies. :)

Yeah, it is Train. Awesome song. :)

Actually the song is called Lullaby. But yeah, that's the right song.

Sounds like "Check Yes Juliet" by We the Kings.

Here are the Lyrics:

Check yes Juliet
Are you with me?
Rain is falling down on the sidewalk
I won't go until you come outside.

Check yes...

When girls lay back like that, their boobs do go to the side like that. So they could be real.

But... on the other hand, she's really too skinny to have boobs like that...

AND... the guys I'm...