Insurance is extremely expensive. Average is 2400 bucks a year.Unpopular opinion here, I suspect:
Consider getting rid of the car. You don't use it much and car insurance in Florida is supposedly expensive.
A lot of people when they move down here from another state do not register their vehicle down here and just keep the plates they came down with. If they have to go back for inspections they take a short vacation and go back and do it when it is due. Right now I have vehicles from Michigan,Wisconsin,Texas Virginia,Georgia and New York in my large development. The owners have been down here for years. They are not snowbirds.