Section 16-5-6 - Premium rates(a) In addition to complying with section 431-693, HRS, premium rates for private passenger motor vehicle insurance sold on a mass merchandising basis shall comply with all other provisions of law applicable to motor vehicle insurance premium rates.(b) Rates shall not be deemed to be unfairly discriminatory:(1) Because of different policyholders' premiums resulting from different loss exposures or expense factors so long as the rates reflect the differences with reasonable accuracy;(2) If an insurer issues different mass merchandising plans with different premiums based on different loss and expense factors, provided the rates reflect the differences with reasonable accuracy. However, commission allowances shall not be arbitrarily reduced and variations in expense factors shall be validly supported;(3) If rates are averaged broadly among persons insured under a mass merchandising plan.[Eff 6/22/81] (Auth: HRS §§ 431:2-201, 431:12-116) (Imp: HRS §§ 431:12-110, 431:12-116)