; (2) level of education; (3) occupation; (4) employment status; (5) home ownership status; (6) zip code or adjacent zip codes; (7) census tract; (8) marital status; (9) credit score or credit-based insurance score; (10) consumer report; (11) previous insurer; or (12) prior purchase of insurance of a consumer from that automobile insurer. (c) Public availability of information All underwriting rules and rate filings for use by any private passenger automobile insurer shall be available for public inspection and may not be considered proprietary trade secret information. (d) Reasonable procedures To assure compliance No person shall be held liable for any violation of this Act if the person shows by a preponderance of the evidence that at the time of the alleged violation the person maintained reasonable procedures to assure compliance with the provisions of this Act. (e) Rules of construction (1) Factors and methods influencing premiums For the purposes of this Act, a violation of subsection (a) shall be considered to have occurred whenever the consideration of any of the factors described in subsection (b) prevents the consumer from obtaining insurance at the lowest rate available to the consumer from a private passenger automobile insurer or any of its affiliates. Actions considered a violation of such subsection include the usage or consideration of any such factor resulting in— (A) the determination of a consumer’s eligibility for automobile insurance or the calculation of the rate for that consumer; (B) an action which prevents a consumer from receiving certain rebates or discounts; (C) an action which prevents a consumer from obtaining insurance from an automobile insurer or any of its affiliate companies; (D) a denial, cancellation, non-renewal, or change in policy or coverage terms