Section 59A-17-12 - Insurer must adhere to rates; consent to rateA. No insurer shall make or issue a contract or policy of insurance except in accordance with filings or rates that are lawfully in effect for the insurer as provided in the Insurance Rate Regulation Law. B. Upon written application of the insured stating the underlying reasons that is filed with and approved by the superintendent, a rate in excess of or below that otherwise applicable may be used as to a specific risk. Laws 1984, ch. 127, § 308; 2007, ch. 367, § 14.