I'm in almost exactly the same place as you here. I'm 17, with my 3.4L, also a 94, I've just got about 20K less miles than you. I understand about the insurance, it really sucks how much we have to pay. I've looked up lots of switches for engines, and it costs too much to switch unless you just want to. It's not worth the money to get it switched. Just clean up your car, do things to make it look better, then sell if for as much as you can if you want a faster car.