A person’s driving record has a large bearing on how much he or she will have to shell out for Florida auto insurance. New drivers always find insurance quotes to be high, as they have not proven themselves to be good drivers. Those who cause a driving accident, are arrested for DUI or who regularly break traffic laws should not be surprised to find themselves with high auto insurance quotes. A person who drives safely, on the other hand, will find that his or her auto insurance costs will consistently go down.