Each insurer shall file with the Commissioner, and the Commissioner shall review, reasonable rules and plans for the recording and reporting of loss and expense experience in appropriate form and detail. An insurer may not be required to record or report its experience on a classification basis that is inconsistent with its own rating system. The Commissioner may designate one or more rating organizations to help in gathering and compiling experience information. The Commissioner and each insurer and rating organization may: exchange information and experience data with each other and with insurance supervisory officials, insurers, and rating organizations in other states; and consult with them about rate making and the application of rating systems. Rating organizations shall collect all relevant information from member insurers.