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Do I need to pay for a certificate to get a trusted one?
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Yes. You need to purchase a certificate that has been signed by one of the major Certificate Authorities (CAs). These include
Verisign,
Thawte, and
Equifax.
The cheapest I saw listed currently is $99 for an Equifax cert.
I had some problems using an Equifax cert a year ago when they first introduced their CA service. Apparently some browsers don't like chained CAs, which Equifax was using at the time. I don't know if this has been cleared up yet or not. Perhaps someone else can say something about that. We have been using it successfully for the past year, however, with no problems after the initial installation.
Any of the links above contain a lot of information about the process involved in gettting a cert.
compsci