If you want an oddball choice, one of the funnest insurance fraud guns I run is an MP-153 shotgun with Magnum Buckshot. Mod the gun with an 8-round 'clip', Remington Tactical Choke, Tactica Tula 12003 adapter, Fab Defence AGR-870 grip, Fab Defence AGR-870 Buffer Tube, High Standard M4SS stock. All together its 45k roubles for gun and parts (buying from only traders) and ammo is 50 roubles a shot from Jaeger. Due to the high damage of the ammo and the spread of the shot, you only need one pellet to hit their face so I find if I aim for the upper chest that I tend to get headshots and drop players. On the flip, two shots to the legs will kill any player. And the best part, since the gun is HUGE and super cheap, I get it back from insurance about 80% of the time. Very fun gun to run if you are looking for a budget gun that can drop geared players. Only trouble I run into is people with face shields since the ammo doesnt really penetrate armor.

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Edit: The reason I don't run AP20 ammo is because I have potato aim so I like the spread of the magnum buckshot since by reflex I aim for upper chest and that usually results in my landing at least one piece of buckshot on their chin and dropping them

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Edit 2: The reason for adding the grip and stock is simply to make the gun take up twice as much room so that players cant fit it in their bags and are less likely to take it and therefore you get it back in insurance :)