Well, you can use either word before I, depending on the sentence. For example: George and I went to the prom. An I is necessary in the word taint. You might be asking whether it is "a" or "an" ......
There is no word or phrase in English that requires a comma. Commas indicate a pause in speech, or the introduction of a clause, or some other separation of ideas necessary to prevent confusion.
Yes, however it's usually grammatically unnecessary. Consider: "You don't need me, and I don't need you." The comma makes it look/sound better, but it's not really needed.
Related ads:
Shopping for Grammar deals?
Find Coupons and Promo Codes on Coupons by Answers.com