A certain shipping service charges an insurance fee of $0.75 when shipping any package with contents worth $25.00 or less and an insurance fee of $1.00 when shipping any package with contents worth over $25.00. If Dan uses the shipping company to ship three packages with contents worth $18.25, $25.00, and $127.50, respectively, what is the total insurance fee that the company charges Dan to ship the three packages?