What about a bottom of the range Sandero? The build quality looks much better than an Etios, The Etios will fall apart long before your old Figo.
It's not.
Edit: I would also like to mention, I am currently paying R1400 for insurance on my car + house hold cover. I phoned Outsurance today and they could only save me R40/m and that is including the 15% they "gave me".
For some reason, a renault is expensive to insure.