Hey Allison,
I was in the same boat a couple of years ago. I had an '89 Soob that was at 180 k before a guy in a brand new Lexus pulled out in front of me...whammo - insurance money for me. If you want to stick with a Soob for around that price, I would suggest a '92 - '95 Legacy wagon. You have more cargo area than many SUV's, all wheel drive and good gas mileage. Ground clearance was never an issue for me.