While I'd agree that I might not change companies over a $100. or less, I'd say that you need to shop your Insurance at regular intervals.
I had State Farm from the time that I first started driving until I was 34. When we initiated the policy, they were very price competitive, plus the fact that the agent lived two doors down from us and was a family friend didn't hurt.
When Doug (our agent) passed away, we got another agent that I didn't like as well. He could get snarky, and when I went in to insure a new car that I just bought at the time, he quoted a +60$/year hike. When I got billed, it was actually double that. I went in to talk and he got snarky again stating that his prices could not be beat and that I bought a "high risk" vehicle. A Chrysler Fifth Avenue was a "high risk" vehicle. Seriously?
So I took his dare and priced 10 different companies. The second highest would have saved me $250/yr on car alone. The company I went with (Erie) saved me $500/yr on Auto and another $200/year on home. I have had excellent coverage, their rates are stable and I have had nothing less than excellent coverage through 2 comp claims and amazing legal coverage for an accident that my wife was involved in that resulted in us being sued for over $200K. I think that I made a good choice because the last time that I priced out State Farm, the agent asked me who I was insured with and told me that there was no way that he could come close. During the course of our conversation, he admitted that he carried all his personal policies through Erie.
While I understand that shopping for insurance in Florida is challenging (I have family there,) I would suggest finding out the top insurers, getting a couple of independent agents and do some pricing. You might save some serious money, and at worst be out a few hours of your time.