No religion has a monopoly on "Universal Truths".
Actually that is kind of exactly what religion claims to be. I can think of no religion that doesn't lay claim to universal truths. The problem lies in the fact that many religions have mutually exclusive truths.
Where major religions are similar is where they are closer to human universal truths. Things like "don't kill each other", "don't steal from each other", stuff like that.
Agreed. And those are easily explicable without reliance on the supernatural. We are social animals. Those rules help maintain social stability with gives us an evolutionary and survival advantage.