I'm a U.S. native speaker. I personally would read this as "oh point one percent." I would read the others as "oh point twenty-four percent" and "three point eighty-two percent."
In my science classes, I was taught always to put a zero in front of the decimal point. The reason is that the zero makes it easier to see that the decimal point is there and prevents errors. I carry this over into speech. I would always read the zero (as "oh") if it is printed, and I might well say it even if it is not printed.
If, for example, I am trying to communicate over the phone to someone who was trying to transcribe what I was saying, then I'd read them character by character, reading 0 as "zero," thus "zero point one percent," "zero point two four percent."
0.1% is a special case. Depending on the context and how precise I think the value is, I might possibly read this as "a tenth of a percent." In a financial context, I might read it as "ten basis points!"