You've probably heard that women get charged less for car insurance. I love this little passage from the Esurance webpage: "If you're a guy, all this really means is that a female clone of yourself would likely pay less for car insurance." I can confidently confirm this statement.
In principle, one would expect personal lines automobile insurance companies to realize a modest windfall from recent increases in gasoline prices. However, I think it's fair to say that "not all's the same 'twixt the pump and the claim" -- not even the same as it used to be.
If you want a preview of what health insurers may do if they're forced to cover people with pre-existing medical conditions, have a look at what Mercury Insurance wants to do to drivers with pre-existing driving conditions.