FL has a high percentage of old people driving and they're terrible drivers. Why would insurance rates be low? And with all of the hurricanes, how can home insurance be reasonable when people build on the coasts? FEMA only covers part of the cost and if you think those of us who don't live near places with frequent hurricanes and other disasters want to pay for your losses, guess again. You might not be affected, but the 'shared pain' of insurance pisses me off when some states are considered 'no fault', like Wisconsin (where I live). If I had known about the insurance I have sooner, I would have saved $4000 in ten years but the mainstream insurance companies just said "Sorry, that's the price".
If anyone wants lower rates, we'll need mandatory driving tests every five years and remedial training, as needed. The driver BS I see is insane and the ages are across the board but the youngest are the state's fault- during COVID, they suspended on-road driving tests and that was taken as a sign that it doesn't matter. OTOH, letting carjackers/car thieves and terrible drivers off with a few harsh words and sidelong glance does noting to stop anyone.
