The State of Florida requires all service contract rates to be filed with the State's Dept of Insurance before the policies can be offered. If a dealer (or other seller) deviates from the published premiums, they risk losing tha ability to offer service contracts in the state of FL. Period. The good side of this is that you do not have to worry about someone paying less than you (or more than you) for the same coverage. Also, it is all but impossible for fly by night service contract providers to do business in FL. The negative here is that you have to pay all of the markup, no negotiation or discounting.

HondaCare coverages cannot even be transferred to FL residents, IE, if I as an IL resident sold you my car, it would not be possible to transfer the coverage to you if you are a FL resident.

So there you have it. You can pay the price (should be the same for any dealer for HondaCare coverage), or choose to pay for repairs out of pocket as they occur.