I try to stick at 5mph over in the city and on the highway and don't get bugged much. I lost my license when I was younger from too many speeding tickets (anywhere from 10 to 23 over once) and I don't want them insurance rates again!
I actually had a 97 Ford Probe GTS when I got my 23 mph over and that was the straw breaker for me. Lost my license for a month and then when I got it back my insurance was $450 A MONTH FOR THREE YEARS (full coverage) for that car. It was sold in 2 months and I have regretted it ever since. It was kind of a rare model for that car, only made in 1997 and a large chunk of them are totalled now, including the one I owned. The kid bought it, and 3 months later tried going around a 45 mph curve at 90 mph, obviously slid of the road and cartwheeled it 3 times. Lets just say it was well past done haha.
Here is a pic of the car. I loved it haha