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What is a fair expection - isp speed

I pay $85. per month for 12 down and 6 up. It is a new isp with all new equipment. RARELY do I ever get 12/6. If I got 10/3 I probably would not complain. Lately I am getting 3/.85. I did complain. I need to know what a fair expectation is to have regarding speed. Yes, I do know it says "UP TO". Is there some sort of rule or similar that everyone goes by?
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arnold
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On the other hand, I have two differents ISPs and they almost Always run at their advertised speeds.  And neither one is charging $85 a month!!
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Hi Experts...
I am using www.speedtest.net to determine my speed. I am not positive, but I sincerely think my isp is not forthcoming with the pure truth. They have told me three times NOT to use speedtest more than once or twice a week because it causes the system to bog down. I think that is crazy. The day they installed my system I was getting 50 meg down because the tech did not know how to  get into their system to throttle it down. I am trying to balance treading lightly with them and getting the service I pay for. There is no other provider in my town but them. (That is anywhere near to fast.) I will look at the contract to see if it has a minimum. Thanks EXPERTS!!
In addition, they will NOT tell me which ports they have blocked. An Expert here phoned them and they even refused her the information. She then asked for the OPEN ports and again, they would not tell her. Oh well...
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Gentlemen, I thank you for your insight and advice. I prefer not to disclose the ISP's name. They are supposed to "Change some equipment" soon and it is supposed to help me. Time will  tell.
I do not show that I accepted anything for myself.