The premiums are higher, however not by a great deal. I'm finding that I will be paying $500 a year more now, and that includes being dropped from 4 star rating to 0 with a full claim on my account (and speeding tickets) since last year. The trade-off would have been an extra (approx.) $ 3,000 pay-out. Worth my while in my opinion, even if I end up paying more in the long-run ... an extra hit of $3k would have been good right now.
