How can car insurance be sexist but not other things? Could insurers change more based on race?

Statistics show young men have more accidents so naturally they will pay more for car insurance. IF statistics showed one race got in more accidents or one race had their cars stolen more could insurance companies legally charge more to them? Serious answers only, please.

Are all of the automobile insurance companies trying to get you to change because they want you to save?

Is the reason they want you to quite your insurance company and switch to there’s because of the profit they make in selling you insurance or because they are really interested in saving you money? Are they thinking of you or their profit?
Is your auto insurance company [...]

Can an employer change to a Private Disability insurance without tell the employees?

We just found out at work that they now have a private disability insurance company and not through the state. Can they change without tell any of us? We don’t even know what we are entitled to if we need it. We only found out because on our pay stubs next to disability it says [...]