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I used Yahoo Small Business to do my website design, hosting and email management. Its pretty cheap, not sure how much, cause its not even enough to really notice coming out each month. haha. I have had my site up for a few weeks now, and am getting pretty good traffic and interest.
As far as driving traffic to your site, and getting good SEO, I would say to start writing about what you know, and submit those articles to about 5 of the top article submission sites. It will take a little while to see the results, but you will get better search rankings, because each article you write will have a link back to your site, and before you know it, you will have hundreds of link backs, raising your ranking tremendously.
The articles bring good traffic too, I have had several other websites, and companies use my articles in their newsletters, which in return upped my traffic with a very well qualified audience.
I know you probably can't post links yet, but type out (in words) the address of your site. Most of the Yahoo business sites I've ever seen look pretty simple, but I've never seen an insurance one before. You say you're getting traffic? That's really good. How many visitors do you average each month?