Wondering why insurance would go up if you put a turbo on a 3V... Only if you told them honestly and even then.
Having had a 4.6L... I would never go back to one unless it was one that was a clean cheap 05-10 S197 with the intention of swapping in something better. If you can swing it, just get the Coyote. Or a GT500...
2000 Mustang GT Steeda #0048 34k miles. 99 Cobra 4V swapped, FTBR IRS swapped, exhaust, tuned by James Gordon.
Just because I give you advice, doesn't mean I know more than you. Its just means I've done more stupid ****.