How Can I Get More Traffic to My Website?

[Cory]

Kudos to you for doing it yourself!

 

[YouGotMyMoney]

White Hat vs Black Hat, anytime I see someone writing about WhiteHat, I always know they probably dont have any success with rankings insurance keywords.

Let's look at G's quality guidlines:

Link schemes - Webmaster Tools Help

The following are examples of link schemes which can negatively impact a site's ranking in search results:

Buying or selling links that pass PageRank. This includes exchanging money for links, or posts that contain links; exchanging goods or services for links; or sending someone a “free” product in exchange for them writing about it and including a link
Excessive link exchanging ("Link to me and I'll link to you")
Linking to web spammers or unrelated sites with the intent to manipulate PageRank
Building partner pages exclusively for the sake of cross-linking
Using automated programs or services to create links to your site

So #1 basically 90% of link building is against Google's TOS. Paying an SEO service provider for anything? YOUR BLACKHAT!
Dropping an anchor txt rich link in a comment on a non-niche revelant (non insurance) blog? YOUR BLACKHAT!