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.