The insurance companies should not have charged for change of address, which is part of their rendering service to the customers. In India, the insurance companies do not charge anything for the above service, though I am not aware if US insurance companies are charging for this trifle job or not !
You can have two addresses, mailing address and garaging address. The garaging address cannot be a post office box. Insurance companies charge you based on the garaging address of the vehicle, not your mailing address.
They are not. Though many insurance companies charge them higher premiums.
Not all major insurance companies offer unoccupied insurance. Those that do will charge a hefty premium. Contact an agent to discuss options and obtain quotes.
"Yes, all insurance companies are having to conform to the new Health care plan. Although companies are changing policies (like not allowing caps on insurance), the insurance companies are beginning to charge more for premiums to make up for the higher costs."
When somebody has an existing medical condition that is serious, such as cancer or heart disease, then health insurance companies will generally charge more for premiums.
You don't need to have them on car insurance even if he is in the household, if he is not driving your vehicles.
They typically answer to their respective state's department of insurance. Just like the FDA keeps tabs on drugs companies, the same goes for a department of insurance. They take complaints, investigate them, and make sure insurance companies don't get out of hand or charge too much to their consumers.
no
Yes. Most insurance companies do have a deductible for this kind of insurance. Most deductibles are 500. This can be a normal charge for a deductible.
No true averages because each state sets it's own insurance standards for the insurance companies to charge.
No, there are plenty of laws and regulations that address overhead and profit. Contractors charge it and insurance companies pay it. That's the nature of the beast. The insurance company that doesn't pay it is not only an exception to the rule but runs the risk of breach of contract and bad faith lawsuits as well as sanctions by insurance departments. There has been much litigation against insurance companies that mess around with overhead and profit, including several class action lawsuits against major insurance companies.
Auto insurance companies do not chrge you on the status of your credit report. They only look at your driving history.