Home owner's Insurance, do you think rates will drop?

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In the state of Florida the cost of insurance just keeps going up inspite of the new law that is in place to protect home owners in Florida from big insurance companys. The law called for insurance companys to reduce rates but it seams that the rates just keep going up. If you are one of the lucky ones to get insurance from some other company rather then Florida's Citizens Insurance, a insurance company of last resort for those come owners that can't get insurance from a big insurance company, you are vary lucky. Alot of the insurance companys have put in for a rate increase and like a child if they do not get it they just drop you. My question to you is, do you think that our government will get the insurance companys to drop rates? If it was up to you what would you do to force insurance companys to drop rates?