Author | Kevin Brooks

Insurance Research Analyst at InsuranceBlip

Kevin Brooks is an insurance research analyst at InsuranceBlip, where he focuses on the question most insurance buyers ask first and get the least useful answer to: why does my premium cost what it costs, and what can I actually do about it? His cost guides are built around data average rates by state, premium shifts by driver profile, pricing differences between coverage levels. Kevin covers the rating factors insurers use to price policies, how those factors interact, and the specific actions that can meaningfully reduce what a policyholder pays without reducing the coverage they actually need.

Experience

Kevin’s research at InsuranceBlip draws on publicly available rate data, NAIC aggregated premium reporting, state insurance department publications, and insurer-disclosed pricing factors. His analysis is focused on making insurer pricing logic transparent to ordinary policyholders the kind of information that is technically public but rarely explained in accessible terms. At InsuranceBlip, Kevin owns the cost guides category: the guides that answer how much, why that much, and how to pay less. His methodology involves comparing rate patterns across driver profiles, states, and coverage configurations to produce cost estimates and savings guidance that is grounded in real pricing data rather than marketing-led estimates.

Areas of Expertise

Researching and explaining auto, health, and home insurance pricing structures
Analysing the rating factors insurers use: age, location, credit score, driving record, vehicle type
Interpreting NAIC premium data and state-level insurance cost reporting
Producing actionable cost reduction guidance grounded in real rate data
Writing insurance cost content that separates verifiable savings from marketing claims

Editorial Standards

All cost research and pricing content written by Kevin Brooks is produced in accordance with InsuranceBlip's editorial standards. Data sources include NAIC published premium reports, state department of insurance rate filings, and publicly disclosed insurer pricing factors. No sponsored or insurer-provided data is used without independent verification.

Read InsuranceBlip's Editorial Policy How We Research Our Insurance Guides

Cost Guides by Kevin Brooks

Cost Guides

Workers Comp Insurance Cost: The Full Breakdown

Workers Comp Insurance Cost The Full Breakdown by Industry, State, and What You Can Control September...

Cost Guides

Car Insurance Cost by State

Car Insurance Cost by State The Full State-by-State Breakdown for 2026 August 25, 2026 Kevin...

Cost Guides

Does Credit Score Affect Your Car Insurance Rate

Does Credit Score Affect Your Car Insurance Rate? Yes, in Most States. Here’s How It Actually...

Cost Guides

How Much Does Travel Insurance Cost

How Much Does Travel Insurance Cost? Real Numbers by Trip Type and Coverage Level August 19,...

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