Thank you for all the inputs....it really helped 
The more insurance for dark cars sounds bizarre....i guess its just a new reason to charge more....btw... i read somewhere online, one guy was suggesting not to buy a blue cars because the birds think it is water and keep poking on the car :P
Anyways, I just booked a crystal white i20 asta. The reason I went for white is coz I will be keeping this car for atleast 5 years. So maintenance wise i guess white will be better compared to grey. I loved both grey and white so dint matter much which one i select.
Thank you so much for all the replies 
Sid
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