(a) Pursuant to Article 21.49-12 §2(b)(2) of the Insurance Code, each insurer has the right to individually evaluate the risk and apply the rates that are in accordance with the provisions of the Insurance Code that are applicable to that insurer.(b) Pursuant to Article 21.49-12 §2(b)(3) of the Insurance Code, each insurer has the option of providing a premium quote on the same coverage basis for which it normally provides insurance in this state using its own underwriting guidelines and the rates determined in accordance with the provisions of the Insurance Code applicable to that insurer.