Too many people demand websites that are too busy graphically. Your eye is pulled in too many directions. Each site need to have a focal point and IMHO, be very clean and minimal. But you can't sell minimal to too many people. They run around the net then say "do a site like this" which has 25 "things" on the main page.
There's also a difference between an agency site and quote site and too many agents want both in one. That's tough. Have one site for clients but a separate site for lead generation.
If you build your site correctly, why on earth would you need a different site to generate leads? Does not even make sense.
Most sites today are being built by individuals that have no experience in proper structure, coding, navigation or a clue about conversion.
Just a basic wordpress site with a theme and a quote engine. Nothing but a electronic business card at best. Hardly a recipe for success.
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