Yes, you have to pay at least $20 a month because it is a phone.
Its a monthly charge.
No you may not. Apple's apps cannot be used for any phone other than the iPhone. If you want a cheap way to use all of the apps for the iPhone, get an Apple iPod Touch. It is $199 and it has no monthly bill, whereas the iPhone is $99 and it has a minimum $75 monthly bill.
No, it's not an Iphone.
Yes, there are ton's of free apps you can search on the internet for. You can search for free navigation software. You can also read reviews, to see how the navigation software is rated.
You can usually buy phone insurance from your service provider for a monthly fee added to your phone bill.
You buy the iPhone app
apple create the apps on iPhone
the iphone is cheaper then the ipod because you are paying a monthly fee on the phone and a one time for the touch
no you cannot use ipod and iphone apps on itunes, but you can buy the apps on itunes and put them on your ipod and iphone
just get an iPod Touch instead. its only a 1 time fee, instead of being paid monthly like you would with the iPhone.
Although iPads can download apps made only for iPhone/iPod Touch, the iPhone can only download iPhone or iPhone/iPad apps. Apps made only for the iPad do not appear on the App Store. Luckily most of these apps have an iPhone counterpart such as Angry Birds (iPhone) and Angry Birds HD (iPad only).
No. You pay once for the application, the only time you pay is when you buy it. I should know, I've got over 400 apps stored in my computer for my iPhone and so does my sister, who has the iPod Touch. There is no monthly charge for the iPod Touch, only the iPhone, and the charges are the billings. The only time I can imagine they'd charge for the iPod Touch is if you bought something off the internet via iPod Touch, but the charges wouldn't go towards the iPod Touch, only your credit card, banking account, or whatever you used to purchase with.