How are auto insurance rates determined?

car crash

Major factors that are used to figure your insurance cost: If you own a vehicle, you should own an auto insurance policy. Have you ever wondered how the cost of your policy is determined? There are a number of different…

The Smith & Sons Team Today

Jeff and Ryan, YA of 2021

75+ Years Combined Experience in Insurance Our company history spans a long time into the past – 99 years!  In that time there have been many faces and unique personalities that have helped Oklahomans with their business insurance or personal…

Working in the Oklahoma Summer Heat

CDC's heat illness image

Train your employees to recognize the risk and symptoms Heat Cramps, Heat Exhaustion and Heat Stroke – 3 levels of one serious summer problem – IT IS HOT IN OKLAHOMA! The National Weather Service shared the above graphic, to go…

Workers Compensation Insurance Policy Basics

caution wet floor sign

Part 1, 2 and 3 of a Workers Comp policy form One of the most overlooked insurance forms is the Workers Comp policy. The reason for this is because the limits and coverages are, to an extent, required to meet…

Transforming the way you secure financial stability

Smith and Sons Insurance Agency

When it comes to protecting a home, rental or commercial property in Southwest Oklahoma, we are leading the way in placing proper coverage.  Having been independently owned and based in Lawton for 99 years, we are a Lawton Proud business. There…

Business Symphony

fist bump

Can you see the similarities between running a business and conducting an orchestra? If you have ever been to an event where a live orchestra was playing, you’ve likely been amazed at how a group of musicians can play together…

Insured to Value – Homeowners Insurance

home with green yard

How much is my house really worth? What is the difference between Market Share, Actual Cash Value and Replacement Cost on a single family home dwelling? Let me start by painting a picture. You are buying a home for your…

First Time Homebuyers

people holding keys

So you are considering purchasing a home for the first time?How exciting!These days, in some areas, houses are on the market for less than a weekend! If you are a renter, or still in mom & dad’s upstairs bedroom, (that’s…

Why Insurance As A Career Means More

smith and sons Lawton office

For this post I will be sharing a bit of writing I shared on Facebook in early January 2020. I had been sorting through a few comments I heard from TV or podcasts or elsewhere. This was an attempt at…

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