Did they ever try talking to you first, or was it straight to the cops every time?

Over $80 a month" is a real eye-opener, good for you.

Saw an article that basically said the same thing as @the_pat. They cut corners years ago and are just charging more for it now.

Can relate, I once got a parking ticket for being six inches over a line. In my experience, the city never misses the small stuff.

Another vote for Duane. That No Touch Credit plus shopping hundreds of lenders makes a huge difference in what rate you actually get.