Thanks guys. Your replies among other threads have really helped me.
According to
iii.org, Florida is a no-fault state. The lackey at my State Farm office said that he thought "that it depends on the situation."
I help take care of my Grandmother and live with her, so I don't carry renter's insurance. Plus, I don't have expensive furniture or nothing I couldn't live without.
I'm going to find an independent agent and PM The_Jazz for a recomendation.
I appriciate all of your help. I have not debt, but want to be responsible with my finances though I've done well, so far. I just canceled my life insurance policy since I have no wife or kids and hopefully a burrial will cost less than 30k. I have an online savings account with ING that does much better than CD in local credit unions. I put $90 every month into my 401k at work. It's not much, but I'm paying my way though school. I even just got a secured credit card (Thanks No Soup!) with a $1000 limit to start buidling credit instead of paying cash like I've always done.