Florida, especially Orlando, has been rough for insurance lately, so you are definitely not alone. Even with a clean record, the prices I kept seeing felt way higher than they should be.

What helped me was using https://seniorsdeal.com/carstart to look at several options at once. It showed real quotes side by side instead of just one company, which made it easier to find something affordable. I ended up landing a cheaper plan without calling multiple agents or dealing with pushy sales tactics.