Id go for the polo, insurance is high on fiestas, and i dont like the look of the beetles... the polo would probably be your best choice... (insurance is gonna be high anyway, the lowest quote i can find is £2,081) tesco have just told us (2 months after we bought it) that my insurance at the moment is void, my mum made a mistake on the form (put in her no claims) and it took them 2 months to tell us... so ive basiclly been driving around without insurance for the last couple of months, im glad i didnt crash!