start getting backlinks to your site using: article marketing, blog commenting on related sites or use ppc (fastest way but can be expensive)
Write powerfully optimized contents, try submission to directories and have enough back links. Social networks can also be of help
You can start by directory submission, rss submission and social bookmarking, and after that you could go for article marketing.. however if you have the budget you could spend some on PPC and get instant hits!
Because its a insurance site it would be very expensive for PPC. All I need is people to type in there zip code and it has to be targeted to the USA.
Try google adwords or facebook advertising or other ppc networks ppc means pay per click, you basically pay for each targeted hit , with facebook advertising you can choose males, females , age , gender , location & more. With google adwords you choose keywords or phases, example in your case you would choose, "insurance" then when a user types in google "insurance" your advert will appear on the top , or the right hand side of the google search results, the person willing to spend the most money on each click , will end up at the top of the page
Search Engine Optimization, article marketing, submit your blog to many search engine, submit your articles to digg and other site.
Sorry i did not read that you have tried pay per click, try making your site more search engine friendly , use google webmaster tools , add a sitemap , create backlinks on high page rank blogs, forum, sites , etc. You need keywords , you cant pick zip codes, well you can but theres alot of zipcodes and you would need a page for every single one moreless, to get a good result in google
I found it quite useful to put keywords straight on the homepage, somewhere amongst your logo or slogan. It improves SEO and you would be surprised what extra traffic this simple change generates
Write article and give the website address which need hits. Then submit it to as many as possible article directories. submit article on only 5 directories daily. you will get required hits...............
for getting a good visits in your site then you may try to become first or second in search engine results.
If you want to get lot's of hits then do link building in insurance websites. Definitely you will get lot's of hits.
you should promote your website through an agency who the SEO services so that they can post articles press release, and do anglina, bookmarking,blog commenting for your site. through this the traffic will increase to your site...and the traffic is directly proportional to the getting hits...