What is the best way to get leads online? www.jlminsuranceservices.com?

I own a new insurance agency. What is the best way to get leads online? I do not mind paying form them, however, I have used Norvax and HometownQuotes and everything seems to be junk. Basically a lot of money spent and nothing in return. I am also not above cold calling as I make between 75 and 100 outbound calls a day, but not a whole lot of response back. Mailing is expensive, and lists are just as expensive to purchase. I thought with all the people getting quotes online there has to be a way to get in on them. We have a website, but that takes FOREVER to even get recognized in the major SEO's. Any ideas?