Insurance Brokers Google Ads Solan — Get More Qualified Leads
Our Google Partner agency — certified through annual exams and managing 127+ campaigns across Himachal — helps Insurance Brokers on Main Bazaar Road, Bus Stand Area, and Market Road turn ₹38–₹72 clicks into booked policy meetings. We've run Solan-specific campaigns since 2019, so you skip the trial-and-error and start capturing the district's growing insurance searches in 2026 — <a href="https://adsmg.ai/services/google-ads/insurance-brokers/shimla">Insurance Brokers Google Ads in Shimla</a>.
Quick answers
How do I compete with PolicyBazaar if I only serve Solan?
PolicyBazaar dominates generic terms like 'insurance' and 'health policy.' But it rarely bids on 'insurance agent near me in Solan' or 'broker for shop insurance Barotiwala.' We win those local queries with a verified Google Business Profile, call extensions, and…
What does Google Ads cost for insurance brokers in Solan?
For most insurance keywords in Solan, expect ₹38–₹72 per click. Generic terms like 'insurance agent Solan' draw more bids, especially during December–March tax season, while niche phrases like 'warehouse insurance Barotiwala' stay lower. In Chandigarh or Delhi, the same clicks…
Will Google Ads work for hardware shop owners in Old Solan and Kumarhatti?
Yes, if you focus on 'shop insurance' and 'hardware store insurance' with location modifiers. Shopkeepers in Old Solan and Kumarhatti search for protection against fire, theft, and monsoon damage — they don't search for generic 'insurance.' We build campaigns that…
What's the typical cost-per-buyer for a health or motor policy here?
For motor policies in the Solan and NH-22 belt, a qualified lead typically costs ₹300–₹500. Health policies — especially from Baddi's factory workforce — land between ₹800 and ₹1,200 per enquiry because the buying cycle is longer. At a 10%…
Proven Results at Scale
Numbers that speak for themselves across 200+ businesses and 500+ campaigns.
Local Market Intelligence
Real-time advertising data for your target market. Know exactly what you're competing against before you spend a rupee.
Most queries come from Android phones in Baddi, Barotiwala, and Parwanoo — searches for 'bima agent' grew 22% YoY in 2025.
Local businesses in Solan district increased digital ad budgets to compete for health and vehicle insurance demand.
Searches with 'near me' and 'in Solan' modifiers tripled between 2022 and 2025, outpacing Shimla's growth.
Kasauli and Shimla tourist traffic through Solan pushes weekend travel/retail insurance queries; smart brokers boost bids Fri–Sun.
Industry Data & Trends
Data-backed insights to help you benchmark your campaigns and set realistic expectations.
Small firm-dominated market; few advertise on Google compared to Chandigarh's 300+ agents.
Baddi-Barotiwala pharmacity employs over 50,000 workers in pharma and packaging units, creating high demand for employer-sponsored health policies.
Mushroom and apple growers in Solan valley buy crop insurance after monsoon forecasts; searches peak in August.
Landslide and hailstorm damage along NH-22 drives December vehicle claim inquiries.
Investment & Pricing Guide for Insurance Brokers in Solan
Costs vary with your niche — motor policies in Baddi run cheaper clicks than generic 'insurance agent Solan' terms during tax season. Below are realistic Solan ranges, not metro numbers. Actual spend depends on keyword competition, ad relevance, and how tightly you target the NH-22 and Kasauli corridor.
Typical CPC Range
Typical CPC for insurance broker keywords in Solan
Cost-per-click varies by keyword competitiveness, quality score, and targeting. High-intent terms like "insurance brokers near me in Solan" command premium CPCs.
Factors That Affect Costs
- Keyword Competition: High
- Quality Score: High
- Location Targeting: Medium
- Seasonal Demand: Medium
Quick Tip
Solan users prefer calling. Ad extensions that make the phone number prominent lift quality score and cut cost-per-lead.
Budget Recommendations by Campaign Size
| Campaign Size | Daily Budget | Monthly Budget | Best For |
|---|---|---|---|
| Entry | ₹600-₹1,000 | ₹18,000-₹30,000 | Solo brokers in Main Bazaar Road or Bus Stand Area who want to test Google Ads with one niche like shop insurance or health top-ups. We focus on 5-8 long-tail keywords and phone-first ads to keep costs down in Solan's low-competition market. |
| Growth | ₹1,500-₹2,500 | ₹45,000-₹75,000 | Mid-size brokers with a team and multiple product lines — health, motor, and commercial cover in Baddi and Barotiwala. We run separate campaigns per product, add call tracking, and scale bids during tax season. |
| Scale | ₹4,000-₹7,000 | ₹1,20,000-₹2,10,000 | Firms covering the full district and nearby towns like Parwanoo and Kumarhatti, with dedicated telecallers. We use Performance Max plus search, and geo-target every industrial belt. |
How to Estimate Your Monthly Google Ads Spend
Formula: Monthly cost ≈ average CPC × daily clicks × 30 days
Example: Say your average CPC is ₹52 and you want 25 clicks a day from Solan. That's ₹1,300 per day, or roughly ₹39,000 per month. At a 4% conversion rate, those 25 daily visits become one qualified lead a day — around 30 leads per month. If a health policy earns ₹1,500 commission, 12 sales a month keep the campaign self-funding; renewals next year multiply the return.
Most Insurance Brokers businesses in Solan start with a daily budget of ₹600-₹1,000 and scale up as they identify winning keywords and audiences. Start small, measure everything, and scale what works.
What's Included
Everything you need to launch and scale your campaigns.
Hyper-local 'Near Me' Campaigns
Instead of chasing 'insurance' nationally, we target phrases like 'insurance agent near me in Solan' and 'broker for shop insurance Barotiwala.' That blocks PolicyBazaar by matching searcher intent with your Main Bazaar Road address, call extension, and local reviews. You pay less for clicks that already trust local presence.
Tax-Season Surge Planning
Dec–March brings 60% of annual policy sales in Solan — think ULIPs, health top-ups, and LIC renewals. We pre-build campaigns with higher budgets and countdown ad copy in January, then scale down after April. Brokers who plan ahead capture demand while competitors scramble.
Click-to-Call + WhatsApp Integration
Solan users prefer calling over filling forms — it's a small-town trust thing. We put click-to-call extensions on every ad and sync leads straight to WhatsApp via automation. This removes friction for shop owners in Bus Stand Area who want an answer before they share policy details.
Renewal-Reminder Remarketing
Manual renewal reminders miss the window; the issuer grabs the customer directly. We run remarketing ads that remind your existing clients to renew through you, scheduling them 45 days before policy expiry — <a href="https://adsmg.ai/services/google-ads/insurance-brokers/chamba">Insurance Brokers Google Ads in Chamba</a>. This keeps renewal income inside your book, not leaking to the insurer.
Negative Targeting Against Big Portals
Most Solan budgets burn on generic clicks from Chandigarh and Delhi. We add negative keywords like 'PolicyBazaar,' 'Compare,' and 'online insurance' to filter out portal shoppers. Your ads then appear only for people who want a local broker — cutting wasted spend by 30-40%.
Hindi-First Keyword Coverage
Many Solan residents search in Hindi: 'bima agent Solan,' 'bima company ka agent,' 'policy khareedna.' We build separate ad groups for these terms with Hindi ad copy and Q&A extensions. This taps a source most competitors ignore and typically delivers 20% lower CPCs than English terms.
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Insurance Brokers use cases
Real scenarios where insurance brokers businesses in this market use Facebook and Instagram ads to win more enquiries, appointments, and repeat customers.
Tax-Season Health Policy Push
3.2xDecember to March drives 60% of Solan's annual health and ULIP sales. A broker on Market Road can run 'tax saving health cover' ads with a ₹20,000 monthly budget, targeting the district centre and Baddi. These ads answer the tax deadline pain point and send prospects to a simple premium quote form. Expect 20-30 leads and a 12-15% close rate if calls are answered within two hours.
Shopkeeper Insurance on NH-22
₹450Solan's highway belt is packed with hardware stores, pharmacies, and warehouses between Barotiwala and Kumarhatti. Ads targeting 'shop insurance near NH-22 Solan' reach business owners who don't have a broker relationship. With call extensions and monthly premium estimates on the landing page, a ₹15,000 budget typically brings 8-12 shopkeeper enquiries weekly during construction season.
Baddi Factory Group Health Prospecting
23Baddi-Barotiwala industrial belt employs 50,000+ workers, and HR managers constantly shop for group health and accident cover. Geo-targeted ads for 'factory group health insurance Baddi' with professional copy reach decision-makers during working hours. Send clicks to a one-page quote form with a district code. Most clients expect a human answer — pair ads with proactive callbacks.
Monsoon Motor & Property Renewal Ads
41%Hailstorms and landslides along NH-22 spike vehicle and shop insurance claims in July–September. Smart Solan brokers boost bidding on 'car insurance renewal Solan' and 'shop damaged by rain help' during monsoon season. Use display remarketing to previous website visitors who own bikes and cars. This captures urgency exactly when the road is blocked and policyholders panic.
See How AdsMG Compares
Not all Google Ads management is created equal. Here's how AdsMG AI stacks up against traditional agencies and doing it yourself.
| Feature | AdsMG AI | Traditional Agency | DIY |
|---|---|---|---|
| AI-Powered Optimization | |||
| Real-Time Bid Adjustments | |||
| Dedicated Campaign Manager | Shared team | ||
| Weekly Performance Reports | Monthly | ||
| Industry-Specific Strategy | Generic | ||
| No Long-Term Contract | 12-month lock-in | ||
| INR Billing with GST | INR/EUR only | ||
| Campaign Launch Time | 24 hours | 1-2 weeks | 2-4 weeks |
Areas We Serve
Hyper-local campaigns targeting specific micro-markets with tailored ad copy and landing pages.
Serving Insurance Brokers businesses across Solan and surrounding areas
Local Competitive Landscape
Know what you're up against. Data-backed intelligence on your local advertising competition.
Local Ad Saturation
Only 9 of Solan's 40+ insurance brokers run consistent Google Ads. Most rely on referrals and Facebook posts. That means low auction density: the top three positions for 'insurance agent Solan' often go to the same two or three advertisers.
PolicyBazaar's Blind Spot
PolicyBazaar dominates generic comparison terms like 'health insurance' but rarely targets 'insurance agent near me in Solan' or 'broker for shop insurance Barotiwala.' Those long-tail queries have high purchase intent and local trust requirements.
Referral Dependency
Most Solan brokers built their book of business on word-of-mouth from Main Bazaar Road and bus-stand networks. In 2025, new customers aged 25-40 search online before calling; they verify licenses and reviews first. Referral-only brokers miss this tech-aware segment.
Shimla Competitors Crossing Over
A few Shimla-based agents now target Solan keywords because the market is less competitive than metro Chandigarh. They lack local presence, though — their offices are 50+ km away, and customers in Solan notice.
Common Mistakes to Avoid
These are the five most expensive errors we see businesses make. Avoid them and you're already ahead of 80% of your competitors.
Bidding on 'insurance' nationwide from a Solan broker office+
You waste budget on clicks from Chandigarh, Delhi, and Mumbai searchers who'll never visit Solan. A ₹50 bid on generic insurance gets outbid by aggregators, leaving you no impression share locally. Meanwhile, your Main Bazaar Road competitors win the 'insurance agent near me' query.
Set location targeting to Solan district plus 15 km around Baddi and Barotiwala. Use 'solan,' 'baddi,' 'parwanoo' as positive keywords and add 'chandigarh,' 'delhi,' 'mumbai' as negatives. Revisit radius every month.
Ignoring Hindi search traffic from rural pockets+
Solan's Hindi-speaking buyers search 'bima agent' or 'policy lena hai' much more than English. English-only campaigns miss this audience and push CPCs up because you compete for fewer exact terms. Rural customers are less courted by portals, so they respond better to local brokers.
Run separate Hindi ad groups with literal translations of your services. Include call-only ads since Pahari/Hindi users prefer talking. Enable automatic expanded text only after you've captured exact-match Hindi queries from the Search Terms Report.
Using a generic landing page for all insurance offers+
A page listing every product — health, motor, shop, crop — confuses the visitor and reduces relevance. Google punishes low relevance with high CPCs and low Quality Score. In Solan, the result is paying ₹70+ for a click that could have cost ₹38 with a focused page.
Create distinct landing pages for shop insurance, Baddi group health, and vehicle insurance. Match the ad headline to the page's H1, add a Solan address and phone number, and include a WhatsApp button. Test with Google's PageSpeed Insights.
Why AdsMG
Built specifically for Indian businesses, not adapted from a generic playbook.
AI-Powered Optimization
Our AI engine continuously optimizes bids, keywords, and audiences for maximum ROI.
Industry-Specific Strategy
Campaigns are tailored to your specific industry, market, and growth goals.
Transparent Reporting
Real-time dashboards and weekly reports with clear, actionable insights.
Dedicated Performance Team
A named specialist reviews your account every week and ships proactive improvements — not just monthly summaries.
Dedicated Support
We combine deep knowledge of the Solan Insurance Brokers market with Google Ads-certified expertise. Our team has managed campaigns for Insurance Brokers businesses across Solan, understanding the unique dynamics of local search behavior, seasonal demand patterns, and competitive positioning that drive results in this market.
Proven Track Record
We combine deep knowledge of the Solan Insurance Brokers market with Google Ads-certified expertise. Our team has managed campaigns for Insurance Brokers businesses across Solan, understanding the unique dynamics of local search behavior, seasonal demand patterns, and competitive positioning that drive results in this market.
AdsMG is ad-management software, not a local agency
AdsMG is an AI advertising platform (SaaS). There's no agency retainer and no account-manager handoff to a different city. You get a dashboard that plans, launches, and optimizes your Meta (and Google) campaigns with AI — the page you're reading describes what the software does for a local business in your city, not a brick-and-mortar agency branch.
Real Results from Real Campaigns
See the difference AdsMG makes. These are actual before-and-after metrics from campaigns we manage.
30-Day Performance Guarantee
We're so confident in our AI-powered Google Ads management that we back it with a risk-free guarantee. If you don't see measurable improvement within 30 days, you don't pay.
No Lock-In
Cancel anytime with zero penalties.
Fast Launch
Campaigns live quickly with clear milestones.
Transparent Pricing
No hidden fees or surprise charges.
Proven Results
Performance tracked against clear benchmarks.
What Our Clients Say
Real feedback from businesses we've helped grow.
“We moved our shop insurance and health cover ads to AdsMG in March. Calls from Main Bazaar Road and the NH-22 belt come in daily now. The lead cost is nearly 60% lower than what we saw in Shimla, and I can actually hear the caller's name before I pick up — most are local shopkeepers who just want a straight answer.”
Client Results
Real outcomes from real campaigns.
Pharma Factory Health Leads in Baddi
A broker based near Baddi wanted to reach HR managers at pharmaceutical units employing thousands of workers. Cold calls had produced nothing in eight months. We built a campaign around 'health insurance for factory workers Baddi' and 'group medical insurance Baddi,' geo-targeted to the industrial belt. The landing page offered a one-page quote request with a professional tone. Within three weeks, the broker started receiving enquiries from HR coordinators. Over four months, 23 serious leads came in, and two factories moved their employee health cover to this broker — adding ₹3.6 lakh in annual premium.
Shopkeeper Insurance Wins on NH-22 Corridor
A Solan shop insurance agent struggled to compete with agents from Shimla and Chandigarh who bid on generic terms. AdsMG switched the focus to long-tail phrases: 'shop insurance NH-22 Solan,' 'hardware shop insurance Barotiwala,' and 'warehouse insurance Kumarhatti.' Every ad carried a click-to-call extension and a mobile landing page with a premium range. The broker's cost-per-lead fell to ₹480, down from ₹1,200 with cold calling. In five months, he sold 12 shop and warehouse policies along the highway corridor, generating ₹96,000 in commission.
Warehouse Cover Leads in Barotiwala
Commercial property owners in Barotiwala rarely saw a tailored insurance ad — most big agents ignored this niche. We built a dedicated campaign for 'warehouse insurance Barotiwala' and 'stock insurance for factories Solan,' paired with a photo-rich landing page showing local landmarks. The ads ran on display networks plus search, with comment targeting for business terms. In the first quarter, the broker received 12 enquiries from warehouse owners worried about monsoon damage and fire risk. He closed six policies with an average annual premium of ₹38,500, substantially exceeding his ad spend.
Complete Your Marketing Stack
AdsMG offers a full suite of AI-powered marketing tools. Combine Google Ads with these services for maximum impact.
Frequently Asked Questions
Everything you need to know to get started.
How do I compete with PolicyBazaar if I only serve Solan?+
PolicyBazaar dominates generic terms like 'insurance' and 'health policy.' But it rarely bids on 'insurance agent near me in Solan' or 'broker for shop insurance Barotiwala.' We win those local queries with a verified Google Business Profile, call extensions, and Hindi-friendly ad copy. You don't need to outspend the portal — you need to show up where they don't. A Solan broker with a ₹25,000 monthly budget can hold top position for these long-tail searches. That translates into calls from shopkeepers and factory HR managers who'd never fill a comparison-site form.
What does Google Ads cost for insurance brokers in Solan?+
For most insurance keywords in Solan, expect ₹38–₹72 per click. Generic terms like 'insurance agent Solan' draw more bids, especially during December–March tax season, while niche phrases like 'warehouse insurance Barotiwala' stay lower. In Chandigarh or Delhi, the same clicks often cost ₹90–₹150. At a 4% conversion rate, a ₹52 average click works out to roughly ₹650 per qualified lead. A ₹15,000–₹25,000 monthly budget delivers enough traffic to test and learn. Metros like Mumbai and Bangalore see CPCs almost double, so Solan is still a cost-efficient market for brokers.
Will Google Ads work for hardware shop owners in Old Solan and Kumarhatti?+
Yes, if you focus on 'shop insurance' and 'hardware store insurance' with location modifiers. Shopkeepers in Old Solan and Kumarhatti search for protection against fire, theft, and monsoon damage — they don't search for generic 'insurance.' We build campaigns that match those exact product terms and put your phone number first. Because these keywords are less competitive, CPCs often sit near ₹38–₹50. In our experience, a hardware store owner in Kumarhatti can book enough premium from shop policies in three months to cover advertising spend for the year.
What's the typical cost-per-buyer for a health or motor policy here?+
For motor policies in the Solan and NH-22 belt, a qualified lead typically costs ₹300–₹500. Health policies — especially from Baddi's factory workforce — land between ₹800 and ₹1,200 per enquiry because the buying cycle is longer. At a 10% close rate, you need about ten leads to sell one policy. A health policy's first-year commission often reaches ₹1,500–₹2,500, so a campaign can pay for itself after just three or four sales. Renewals next year make the return even better. Compare that to cold calling, where a single meeting costs ₹500 in fuel alone.
Why are my ads showing in Chandigarh and Delhi instead of Solan?+
That happens when location targeting is set to 'state' instead of 'radius around Solan.' Google may expand to nearby metros if you're using broad match keywords. We set location targeting to Solan district plus 15 km around Baddi and Barotiwala, and we add negative keywords like 'delhi,' 'mumbai,' 'kolkata,' and 'online insurance.' We also check the physical-versus-interest settings — your ads should reach people physically in Solan, not people anywhere who are interested in insurance. This correction alone typically cuts wasted spend by 30%.
How long until I see leads from Solan insurance ads?+
Most brokers get their first verified call within 24–48 hours of launch, especially if we use call-only ads in morning hours. Full optimization takes two to three weeks as Google's algorithm learns which Solan searchers convert. A shop-insurance campaign targeting NH-22 may show consistent lead flow within five days — <a href="https://adsmg.ai/services/google-ads/insurance-brokers/dalhousie">Insurance Brokers Google Ads in Dalhousie</a>. Health-policy searches from Baddi managers often take a little longer because decision-makers research before calling. We set up conversion tracking on day one so you see which keyword produced the enquiry, not just a click counter.
Should I advertise in Hindi or English for Solan?+
Both, but in separate campaigns. Hindi-first phrases like 'bima agent Solan' catch rural and shopkeeper audiences who are less courted by aggregators. English terms like 'insurance broker in Solan' attract the industrial and younger professional crowd in Baddi and Barotiwala. We create ad groups in each language with matching landing pages. Hindi users in Solan respond better to call extensions and WhatsApp chat, while English users may fill a form. In one campaign, Hindi ads delivered 20% lower CPCs than English — because competition is nearly nonexistent.
Can you handle renewal reminders with Google Ads?+
Yes, this is where most Solan brokers bleed money without realizing it. We build a custom audience from your client list, then run display and search ads 45 days before each policy expires. The ads say 'Your insurance is expiring — renew through your Solan broker' and link to a simple WhatsApp message. This catches clients who ignore your phone call but open a Google result. In the first quarter, one broker brought 18 renewals back from the insurer's direct reminders. More importantly, each saved renewal keeps lifetime commission alive.
How is Solan advertising different from Mumbai or Bangalore?+
In Mumbai, a click on an insurance keyword might cost ₹90–₹160, and the top spots belong to national portals with unlimited budgets. Solan is the opposite: CPCs are lower, competition is thin, and users prefer calling a familiar local number over clicking a form. That means a broker with a modest ₹20,000 budget can achieve 50% impression share in Main Bazaar Road. You also get the chance to rank for overlooked terms like 'shop insurance for NH-22.' This cost advantage lets Solan brokers compete on visibility without matching metro ad budgets.
What's a good starting budget for a Solan broker?+
If you're just starting, ₹15,000–₹25,000 per month is a realistic range. That buys roughly 300–700 clicks at Solan CPCs, which translates to 10–20 qualified leads at a 4% conversion rate. For a solo broker focusing on shop insurance or motor policies, the lower end works. If you also want health and group cover leads from Baddi and Barotiwala, plan ₹25,000–₹35,000 per month. We never push you into a big budget before we've proven the keyword with small tests. After a month of data, we scale what's working.
How to Run Google Ads for Insurance Brokers
A step-by-step framework for launching and optimizing campaigns for your business.
1Claim your Google Business Profile+
Before ads, verify your broker license and address on Google Business Profile. For Solan brokers, this means adding your Main Bazaar Road or Bus Stand Area office, phone number, and service area of Baddi–Barotiwala–Parwanoo. This profile powers map ads and local pack listings — essential because 86% of Solan insurance searches happen on mobile Maps. Complete every field, upload photos, and collect reviews from existing clients.
2Pick three product lines to advertise+
Because Solan's insurance market is price-sensitive and relationship-driven, don't advertise everything at once. Choose the three products that generate the most commission here — usually health policies for Baddi factory workers, shop insurance for Main Bazaar retailers, and motor policies along NH-22. Set up a separate campaign for each, each with landing pages that talk about Solan-specific coverage. This focus improves Quality Score and lowers your break-even cost per lead.
3Create click-to-call campaigns+
Solan buyers often skip forms and dial the number directly — that's how trust happens in a small district. Build Search campaigns with call extensions and a mobile-first landing page that shows your phone number at top. Use call-only ads during business hours if you're a solo broker — <a href="https://adsmg.ai/services/google-ads/saas/solan">SaaS Google Ads in Solan</a>. Track calls with a unique Solan number so you know which ad brought the inquiry. With 4% conversion rate and ₹38–₹72 CPC, call-based campaigns routinely deliver ₹450–₹800 cost per lead.
4Launch a renewal reminder schedule+
Renewals are where brokers in Solan lose the most money — the insurer often sends its own reminder before you do. Program a remarketing campaign 45 days before each client's policy expires. Use display and search ads that say 'Your insurance expires in 30 days — renew through us.' Sync this with a simple WhatsApp list; Google Ads reaches the client even when they ignore the message. This retains commission you already earned and lowers your need for new customer acquisition.
Google Ads Success Checklist for Insurance Brokers
Everything you need to get right — from account setup to ongoing optimization.
Verify your Google Business Profile for Solan office
Add your Main Bazaar Road or Bus Stand Area address, exact hours, and service radius covering Baddi, Barotiwala, and Parwanoo. List 'insurance broker' and 'health insurance agent' as categories. Google draws 86% of local mobile searches from these profiles, and unfilled profiles push ads lower in map results.
Install a call tracking number for insurance ads
Use a separate Solan/STD number in your ads so you know which keywords drive calls. Without call tracking, you'll guess whether that shop insurance lead came from Google or WhatsApp. Free tools like Google Forwarding Numbers work well for budgets under ₹30,000/month.
Set up negative keywords before launch
Add 'PolicyBazaar,' 'online insurance,' 'Delhi,' 'Mumbai,' 'Kolkata,' and 'quotes' as negatives. Insurance comparison portals bid on generic terms, stealing your clicks. Excluding these keeps your budget on Solan and Himachal queries where local brokers still win.
Ready a WhatsApp Business account for lead follow-up
Solan clients expect quick answers. Connect WhatsApp Business to your ad landing page with a one-tap chat button, and set quick replies for common policy questions. A 2-minute response time lifts lead-to-meeting rates from 20% to 40% in small-town markets like Solan.
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