Why not replace the fusion engine with ICE? Would be cheaper (a bit, at such low ratings), even if you have to make the unit bigger. Replace the laser with some machine guns and half a ton ammo.
EDIT Like this:
UrbanTank
Mass: 30 tons
Tech Base: Inner Sphere
Motive Type: Wheeled
Rules Level: Tournament Legal
Era: Age of War/Star League
Tech Rating/Era Availability: D/C-D-D-A
Production Year: 2750
Cost: 405 375 C-Bills
Battle Value: 411
Power Plant: 70 I.C.E.
Cruise Speed: 32,4 km/h
Flanking Speed: 54,0 km/h
Armor: Standard Armor
Armament:
1 Autocannon/10
1 Machine Gun
Manufacturer:
Primary Factory:
Communications System:
Targeting and Tracking System:
================================================================================
Equipment Type Rating Mass
--------------------------------------------------------------------------------
Internal Structure: Standard 15 points 3,00
Engine: I.C.E. Engine 70 4,00
Cruise MP: 3
Flank MP: 5
Heat Sinks: Single Heat Sink 0 0,00
Control Equipment: 1,50
Lift Equipment: 0,00
Turret: 1,50
Armor: Standard Armor AV - 96 6,00
Armor
Factor
Front 24
Left/Right 20/20
Turret 16
Rear 16
================================================================================
Equipment Location Heat Spaces Mass
--------------------------------------------------------------------------------
Autocannon/10 T 3 1 12,00
Machine Gun T 0 1 0,50
@AC/10 (10) BD - 0 1,00
@MG (1/2) (100) BD - 0 0,50
BattleForce Statistics
MV S (+0) M (+2) L (+4) E (+6) Wt. Ov Armor: 3 Points: 4
3w 2 1 0 0 1 0 Structure: 2
Special Abilities: EE, TUR(2/1/0, AC 1/1/0), AC 1/1/0
If one ups the mass by 5 tons, you can get some more armor and the price is still under 500k.