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Insurance normally runs $1 per $100 of purchase value. I would see if this can be waived if you don't want this at Customer Service staff via LiveChat (available from 9AM to 9PM 7 days a week), the "blue chat now" button at the bottom right of the page, or phoning at (859) 368-0371 (available 9AM to 9PM EST Monday through Friday).

You must have more then 1 item in your cart. If you look in your cart you will notice it states what warehouse the items ship from I believe there are 5 different distribution centers. Every time multiple distribution centers are used they add $5 each shipping fee.

Here is a sample screenshot I just made so you can see what to look for. https://prntscr.com/hzsm9n When I place orders I always make sure to choose items from same distributors so the shipping fee don't get out of hand. I hope this helps.

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contact customer service (859) 368-0371 available 9AM to 9PM EST Monday through Friday) and ask them