That makes sense.  My sister was in a huge accident with her Saturn a few months back and was without a car for a while.  I know the pressure of finding a vehicle ASAP is like from her experience.  
From personal experience, I do not recommend an interest-free loan from one's parents.  It's so hard to pay back.  I still owe my parents more than  a grand for my Probe (which I got rid of in 2003) and my sister does for her Saturn.  I think my parents have just forgiven them by now, but still, money transactions within family are difficult.  I'm "paying" it back in presents now that I have a salary 
 
If she is over 18 I recommend a small car loan through a bank - or a small personal loan if the bank won't do a $1K loan.  It's a great credit-builder especially if you have huge student loans (like me), and keeps you from being irresponsible with money.  I can think of so many things I purchased with money that should have gone to my parents. 
 Out of the three choices, for the price range the Contour is probably your best bet.  Although I fear it may potentially be the least reliable, at least the repairs are less costly.  However, I am also extremely partial to Subarus 

 and an Impreza Sport Wagon is a neat idea for the money, while also being possibly cost-effective.  Or a cheap Outback 
example
Since your GF was in an accident:  If you think her parents can stomach it, gather all of the totalled Contour pictures you can find on the site (there are a bunch of rollover ones too), compile them together with a Post-it on top saying "Everybody walked away from these with nothing more than bruises."  One of the things I love about this car is its safety record.  I have a scanned Cartalk article about a totalled Contour T-boned by a Suburban where Tom and Ray said (quote) "Be thankful for the protection the car did provide.  The manufacturer obviously did something right." .. I can give you that scan if you like. 
Although at that point you might scare them off with your Contour obsession 
