(1) A title insurer shall file with the commissioner a complete schedule of rates to be charged by it for title insurance as to property located in this state. The rates must be all-inclusive of the total charge for insurance as specified in the policy and must be accompanied by supporting data.
(2) A rate may not be excessive, inadequate, or unreasonably discriminatory.
(3) A title insurer may not quote or charge any rate for title insurance other than the applicable rate previously filed by it with the commissioner.