You need more clarity on the homepage. It's obvious that it's car insurance but the process is information->information->start, which Leaky makes it obvious and it basically goes start->figure it out.
Get the user started on the conversion funnel while you explain to them what the service does - I'm pretty certain (based on my lead generation experience) that this will end in a far superior conversion rate for you.
I agree with this guy. CoverHound.com reads like the envelopes I get from Progressive...a few pages more than I am willing to read.
edit: To find this page I went to the bottom of the home page, tried to click on the Pennsylvania state outline, clicked the Pennsylvania text link, looked for my car on the most stolen cars lists, found "Car insurance quotes get started" at the bottom http://coverhound.com/step1
Get the user started on the conversion funnel while you explain to them what the service does - I'm pretty certain (based on my lead generation experience) that this will end in a far superior conversion rate for you.