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You can probably assign QOS using your existing router, which would make sure that there was always bandwidth available for specific applications (based on port number) but there isn't any way to say that 2 Megs for something and 3 Megs for something else.
If you aren't using all the bandwidth that's fine. The last thing that you want is the link saturated at 100%. If you are using 5MB of bandwidth, the speed test sites should show you having about 5MB of bandwidth of speed available. It won't show you as having 10 Megs of bandwidth available as you are already using 5 MB of bandwidth.
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Certain Observations on your first question:
1. If your utilization is 5 MB, why are your carrying out 10 MB (I am assuming that your peak requirement is not more than 5 MB at any moment of time).
2. You are paying for a bigger pipe that is not required at the moment, so switching back will definitely cut down your costs and the credit will go to you.
3. At any moment of time you can switch back to 10 MB or whatever, based on actual requirement, as and when needed. Keep your management informed on this.
4. If you don’t want to cut down with your current 10 MB, go for an SLA with your ISP to provide you a real time usage graphs (and that is quite possible and happening), with a clause that if the available bandwidth is below 10 MB at any moment of time, he will be penalized (frame a penalty clause).
5. It is quite possible that your ISP, based on your average usage might be providing you a shared 10 MB and charging for the same from so other customers also for which you are already paying in full.
For your second question:
Yes, it is quite possible to allocate bandwidth – user wise, port wise, group wise, requirement wise (Internet, Application, Chat, Download, Upload etc.)
Latest Contributors: Mrdenny 
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