Listing high in search engines in your business is going to be tough....SEO
(search engine optimization) is a whole occupation and game in itself...
I'm glad someone mentioned it
you do sound like a sales dude, hey I need a website just collect some data and send it to me... oh and also, top google ranking will be nice.
The honest answer here is that what you want to do is pretty hard. Like you mentioned, there is someone already providing a service like the one you are putting out there and providing 5 quotes. Not sure why you think that is more confusing, but if you want a similar interface with less options, you are really not providing better service.
Now if you still want to continue with this project after that, you have to weight request.
Simple page - ($500)
Design - Look and feel - Branding - ($250)
Database - ranged depending on complexity of what you want to keep and get out... ballpark ($1000)
Optimization ... not sure if is even possible in the arena you are looking. You might get someone that will promise you (and maybe even get you 1st page on some search for a week, but it will go back down unless its constant.)
I am not bullshitting you either... been working on this stuff for a while.
Take for example my resume. I used to have 5 different search strings where I was the first result.
Now there are some new ways of using the algorithms to your advantage
John Guzman - still top
Optika Resume - now number 2
John Guzman Resume - has fallen to 7
My suggestion for what you are trying to do is research your market and find some very specific things about who you are trying to reach. See if you can understand how THEY (not you that is in that business) will search for insurance.
I honestly think that using social media and good facebook page for your business might yield better results.