Internet providers show speed in Kbps, Mbps and Gbps because that's the correct scale for line speed. You use kB/s, MB/s and GB/s to describe the speed of a file transfer.
Well, your max speed isn't far off from where you should be. But you have a few lame results in there.
Check out the Automatic Speed Test. Run it for a while and gather some more data. I wouldn't worry about the cap. When I worked for the cable company the same policy was in place... but I've been told that it's not strictly enforced. If you're using your connection normally you'll be fine. What the cable companies are really looking for is massive outgoing traffic on a connection ... people abusing the terms of use. Trust me, Cox has a similar policy... I draw Terabytes and nobody's shutting me off.
Also, if you read online, in forums about people saying that they got shut off because of that. I'd bet you a thousand bucks that every single one of those people was sharing files on a ridiculous scale. Just don't get stupid, limit your sharing and you'll be fine.