Regarding increasing insurance rates based on speeding tickets, the idea that the law can change to retroactively penalize is simply wrong.
A new penalty system must inform, then move forward with the accumulative penalty concept.
A simple doubling of the fine for each and every subsequent offence will provide the necessary revenue and be a deterrent to all but the very affluent.
This target group also needs to be rewarded for good behaviour by reducing the fines for time elapsed. As far as speeding goes, they need to stop sending mixed messages.
Signs on the highway suggest it is rude to be in a left lane and not speed. We are not in Europe — two lanes move twice the traffic volume, it is not a convenience for late people.