The purposes of this chapter are:
(1) to prohibit price fixing agreements and other anticompetitive behavior by or among 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 so as to provide rates that are responsive to competitive market conditions;
(4) to provide regulatory controls in the absence of competition;
(5) to promote availability, fairness, and reliability of insurance;
(6) to authorize cooperative action among insurers in ratemaking and to regulate such activity to prevent practices that tend to substantially lessen competition or create a monopoly; and
(7) to cause the availability of price and other information to enable the public to purchase insurance suitable for their needs and to foster competitive insurance markets.