[mbrameld]

> 1. I'm already paying a higher premium just for driving in South Florida.

Yes, but that's not because of your driving habits, is it?

> 2. It's called bumper to bumper traffic for a reason. Following distance is <1 cars length. Anymore than that and some bozo is going to slide into your lane.

Heaven forbid your ego take a little blow to make everybody safer.

> 3. You know nothing of me nor my driving habits. I simply pointed out that brakes can fail or appear to fail for reasons other than mechanical failure.

I know exactly what you've told me: You drive in a manner likely to cause your brakes to overheat and fade, a problem that many, many other people driving in the same conditions as you are able to avoid. Therefore, you should pay more than them for insurance, all else being equal.