1.  Prohibition of certain behavior.  To prohibit price-fixing agreements and other anticompetitive behavior by insurers;  

2.  Protection for policyholders and the public.  To protect policyholders and the public from the adverse effects of excessive, inadequate or unfairly discriminatory rates;  

3.  Promotion of price competition.  To promote price competition among insurers so as to provide rates that are responsive to competitive market conditions;  

4.  Provision of regulatory procedures.  To provide regulatory procedures for the maintenance of appropriate data reporting systems;  

5.  Improvement of insurance.  To improve availability, fairness and reliability of insurance;  

6.  Authorization of action.  To authorize essential cooperative action among insurers in the rate-making process and to regulate such activity to prevent practices that tend to substantially lessen competition or create a monopoly; and  

7.  Encouragement of practices.  To encourage the most efficient and economical marketing practices.