If you are in isb, my cousin is selling his first owner swift, suzuki maintained, lies in your budget.
As for comparison, Wagon R is a stable car, i took it to swat from Rawalpindi, highly impressed with it, no issues what so ever, a lovely vehicle.
As for the below 100kmh myth, i kept it upwards of 125 and below 150, no issues at all at any given point.