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The 197 was market predicted/assumed.
It ultimatley 'had' to have a higher performance output and a bigger/taller stance.
In that case - it served its market purpose??
As Mike pointed out, the heavier weight (1260kg's) and less power, its stands at about 120bhp to the tonne against the Clio's 165/tonne...
No doubting it makes it look dated - im willing to bet the Ds3 'feels' faster.
Unfortunatley you're at that age where innevitably, you will pay more for insurance.
I wouldnt worry about what other people are paying - the fact is, you have to start somewhere.
Welcome, by the way.
It is slightly dearer mate yes.
The reason i know this is when i bought my 182 in 2010 the garage made a c**t of it and registered
it in my old mans name (dont ask) and so it was slightly dearer to insure than if it was in my name.