2. Review other insurance agency websites

Many agencies and brokers don't do a great job with insurance search engine optimization (insurance SEO). That said, it can be still helpful to investigate other insurance agency websites to see if your agency can glean keyword phrase ideas.

To do this, simply navigate to another agency website in your state, hit View Page Source and search (Ctrl F) for meta. Or you can install a free tool bar from Moz or SEOBook to make this process simpler.

3. Social bookmarking and Google URL submission

Once your agency has optimized your website for SEO, make sure you submit any unranked pages to Google using the Google Webmaster Tool (Submit URL). And, to better ensure your pages will get ranked, add them to prominent social media platforms including Twitter, LinkedIn, Facebook and Google+.

4. Keyword phrases in titles and subtitles

Creating titles and subtitles on a web page that includes your preferred keywords will help search bots and human readers more readily scan your content. If they find relevant keywords in your subtitles, they are more likely to read the entire article.

5. Alt image tags and header tags

The title for a page appears on the search engine results page. The main header will appear when viewers open the page, similar to a headline in a magazine or newspaper article. Focus each web page on a specific topic and keyword phrase. Your title and header will be indexed by the search engine and seen by prospects and increase the chance viewers will open your article instead of an alternate article.

Make sure you limit each page to a maximum of three keyword phrases. Both your prospects and the search bots will be looking for well organized, focused content, so keep your content streamlined and relevant.

6. Dynamic content, not duplicate content

Search engines like to see new content as their search bots scan your insurance agency site. Adding dynamic content with a blog, video, and article publishing will help your insurance search engine optimization efforts. Make sure your website isn't using boilerplate, duplicate content. If you purchased a site from a vendor that offers boilerplate content, rewrite all your content, as rapidly as possible, or your rankings will suffer the consequences.

7. Word density

When it comes to word density, you should repeat your phrase, a reasonable number of times. There are many opinions on word density, ranging from 4 percent to more than 10 percent. In general, a simple rule should be, when reading your content, it should read well for your website visitors first, and search engines second.

Beware of "keyword stuffing." When writing a page, focus on the topic, not the keyword phrase. When following this process, I find my keyword density is usually in the 5 percent to 8 percent0 range. For example, if you are writing about Florida flood insurance, it's fine to repeat that phrase four or five times in 150 words, but not 10 times. You should include the phrase in your page name, page title, description and as header tags as discussed prior.

8. Boldface, italics, underline, links

It's good to boldface, italicize or underline your keyword phrases, but do so within a reasonable writing context on your pages. Links can also be helpful, linking to other pages within your website, or conversely, linking from other pages to your preferred pages.

Don't confuse this process with "link building" schemes. Many agencies were led astray with SEO link building scams, including link farms and other black hat SEO practices. Any external links to your insurance agency site should come from high quality, relevant sites.

9. Insurance videos

Website visitors are 80 percent more likely to watch video than read your content, and search engines weight webpages that contain videos. If your video has a longer view time than other websites in the same search results then your rankings cam improve even more.

10. SEO tracking

There are tons of tools available for tracking insurance search engine optimization. Many are free; most are inexpensive. From Moz, to SEOBook, to WebCEO, your agency can pick from dozens of highly functional choices. That said, you'll need to learn the tool you select, and run and measure the reports on a consistent (monthly should suffice) basis.

And it goes without saying, that every agency should have Google Analytics loaded on their website, to track general traffic, traffic patterns, search engine referrals, and social media referrals to their website.