Vt. Stat. Ann. tit. 8, § 4681

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