In evaluating the expected and actual loss ratios, the Commissioner shall consider:
(1) the statistical credibility of incurred claims experience and earned premiums;
(2) the period for which rates are computed to provide coverage;
(3) experienced and projected trends;
(4) the concentration of experience within early policy duration;
(5) expected claim fluctuation;
(6) experienced refunds, adjustments, or dividends;
(7) renewability features;
(8) all appropriate expense factors;
(9) interest;
(10) the experimental nature of the coverage;
(11) policy reserves;
(12) the mix of business by risk classification; and
(13) product features, including long elimination periods, high deductibles, and high maximum limits.