The purposes of this chapter are:

(1)  To prohibit price fixing agreements and other anticompetitive behavior by insurers;

(2)  To protect policyholders and the public against the adverse effects of excessive, inadequate, or unfairly discriminatory rates;

(3)  To promote price competition among insurers to provide rates that are responsive to competitive market conditions;

(4)  To provide regulatory assurance that price competition exists;

(5)  To improve availability, fairness, and reliability of insurance;

(6)  To authorize essential cooperative action among insurers in the ratemaking process and to regulate that activity to prevent practices that tend to substantially lessen competition or create a monopoly;

(7)  To encourage the most efficient and economic marketing practices; and

(8)  To foster competitive insurance markets.