I can only give you my own personal opinion. I've had 3 Peugeots (currently own a 1996 306, had from nearly new, and a 1998 406), and the 306 has been excellent throughout the years, the 406 has needed somethings changed, but it has got 160,000 miles on it, so that can be forgiven a bit. Anyway, any bad points seem to dissappear as soon as I get behind the wheel of either of them, as their the best driver's car you can have, and I think they all look stylish. We're looking at changing both our cars in the next couple of years, and have comtemplated many, but we keep coming back to Peugeots, so I can definitely recommend them. On the 206 insurance subject, have you thought about a diesel. Our 306 is a 'D Turbo' model, which is identical to the XSi except for the engine. And that brings it down to insurance group 5, really cheap. They do a 206 D Turbo, see if you can see any. I think that could be your answer,
Neil