So here I am, fresh off the plane from Indiana, ready to trade snow boots for flip-flops. Sunshine? Check. Beaches? Check. Geckos running across my porch at 6 a.m.? Check, check. But there’s one thing I did not expect—auto insurance in Florida. I called the first company I saw online. Quote: $2,100 a year. I laughed (nervously). Back in Indiana, I was paying half that. My first thought? “Oh, Florida, you tricky little state…” I wasn’t about to settle. I started shopping around, hopping between w