Personally, I wouldn't buy a Stoeger Shotgun.   A friend of mine bought one and it stopped working after a couple hundred rounds (wouldn't fire the second barrel).  Either Remington or Winchester would be a better choice, and Beretta and Browning would be better yet.   When it comes to Over/Unders, you pretty much get what you pay for.   If you are looking for something low cost and reliable, go with a Browning BPS, Remington 870 or Remington 1100.   I have never come across a "new" low cost reliable over/under.   However, you should be able to pick up a used Browning Citori with interchangable chokes for under $1000.