If clarification or correction is needed, let me know.
My first bit of advice: Find the offender.
It doesn't help to quiet your case fans if the loudest thing there is your CPU fan. I'll focus some of my advice if I hear any feedback on what runs loudest in your system.
My second bit of advice: Clean the system.
Theory: cleaner system runs cooler, thus doesn't need to go 100% on the fans.
Surprising amounts of dust can really build up over time inside your computer. If enough collects, it can form an insulating blanket and reduce the cooling capabilities of your computer, esp. the heatsinks. Plus, its a lot healthier and easier on your allergies if you clean out your system before working on it.
Buy some canned air, and on a good day, move your computer outside BEFORE opening it up. If you haven't cleaned your PC before, huge clouds of dust will be set free. Read the directions on the can of compressed air fairly carefully. If you handle it improperly you can quickly drop the can to freezing temperatures, even in a Florida summer.