With a Florida or reciprocal state license you can carry most anywhere except jails/prisons; airport passenger terminal; police/sheriff/FHP station; courthouse; polling place at election time; into a meeting of a governing body state/county/city/school district; school buildings*; bar**; and of course any place restricted by Federal law/regulations.
* School - You can keep a firearm in your car's glove-box, console, etc. on College/University property. Also Elementary/Middle/High school property (unless the school district has established and published specific exception to this provision) - lots of discussion surrounding this all most very technical.
** Bar - the actual bar, the place where the booze is kept and where the bartender works. Sitting at a table in a restaurant that has a bar is fine. Also drinking while carrying is legal.
Loaded carry in the car without a license is fine as long as the firearm is in the closed glove-box, closed console closed purse, closed backpack, etc.
With a license it can be carried anywhere in the car as long as it is concealed.