Lasster Agency
Aztec, New Mexico
Call the agency(505) 333-8004
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Lasster Agency
Aztec, New Mexico
Coverage for the things you've worked hard to build — backed by local service in Aztec, New Mexico. As an independent agency, we compare more than 20 carriers to fit the coverage to you.
Insurance is one of the few things you buy hoping you never use. That makes it easy to pick the cheapest option and move on — until the day you need it. At Anchorpoint Insurance, we take a different approach: we start with how you actually live and work in San Juan County, then compare coverage from more than 20 carriers to find policies that fit. Every line below is written and serviced locally from our office at 112 N. Main Ave. in Aztec. Have a question about any of them? Call (505) 333-8004 and talk to Jason or Darlene directly.
From the truck in the driveway to the roof over your head, we write personal coverage for New Mexico families — compared across multiple carriers so it fits your life and your budget.
New Mexico requires every driver to carry liability insurance — but the state minimum is rarely enough to protect what you own. Auto insurance in San Juan County means long stretches of rural highway between Aztec, Farmington, and Bloomfield, wildlife on the road at dusk, winter conditions, and a lot of uninsured drivers. We build car insurance around those realities.
We explain the pieces in plain English: liability pays for injuries and damage you cause to others; collision repairs your vehicle after an accident; comprehensive covers theft, hail, fire, and animal strikes; and uninsured/underinsured motorist protects you when the other driver can't. Then we compare auto insurance quotes from multiple carriers — including discounts for bundling, multiple vehicles, safe driving, and paid-in-full — so you see real options side by side.
Whether you drive a daily commuter, a work truck, or a classic you only take out on weekends, we'll find coverage that fits. SR-22 filings available.
Your home is likely the largest investment you'll ever make, and homeowners insurance is what stands between a bad day and a financial disaster. We write homeowners, renters, and manufactured/mobile home coverage for properties across Aztec and San Juan County — site-built homes in town, houses on acreage, and manufactured homes on family land.
A good policy covers more than the structure. Dwelling protection rebuilds the house; personal property replaces what's inside; personal liability protects you if someone is hurt on your property; and additional living expenses pay for somewhere to stay while repairs happen. We'll also talk through what standard policies don't cover — flood, for example, is almost always a separate policy — and whether an umbrella policy makes sense for your situation.
Because we compare multiple carriers, we can often find better coverage at a comparable price, and bundling home and auto is one of the simplest ways to save.
Life insurance isn't about you — it's about the people who depend on you. If something happened tomorrow, would your family be able to stay in the house, keep the kids in school, and cover the bills without your income? That's the question life insurance answers.
We help you choose between two main approaches. Term life covers a set period — often 10, 20, or 30 years — at a lower cost, and fits most working families who want to protect a mortgage and income-earning years. Permanent life (whole or universal) lasts your lifetime and builds cash value, which can make sense for estate planning, final expenses, or leaving something behind. Many families use a combination.
We'll help you estimate how much coverage you actually need — income replacement, debts, final expenses, future costs like college — then compare options from multiple carriers. No pressure, no jargon, just a straight conversation.
The Four Corners is built for getting outside — Navajo Lake, the San Juan River, the mesas, the backroads, and the trails. Most of our clients own something with a motor that isn't a car, and most generic insurance websites treat that as an afterthought. We don't.
Recreational vehicles have their own coverage needs. An RV or motorhome is part vehicle, part home, and needs protection for both — plus coverage for personal belongings and emergency expenses on the road. Motorcycles need liability, collision, and often custom parts coverage. ATVs and UTVs are frequently excluded from homeowners policies once they leave your property. Boats and watercraft need coverage on the water and in storage. And trailers — from utility to toy haulers — are often under-insured or not insured at all.
We work with carriers that specialize in these lines, so you get coverage that's priced for how you actually use your equipment — seasonally, occasionally, or every weekend.
Contractors, trades, storefronts, professional services, and commercial vehicle operators keep northwest New Mexico running. We build commercial coverage around how your business actually works — and stay with you as it grows.
Every business, from a one-truck contractor to a Main Street storefront, needs a foundation of liability and property coverage. General liability protects you when a customer is injured, their property is damaged, or you're accused of causing harm — and it's what most clients and landlords require before they'll sign a contract with you. Commercial property covers your building, equipment, inventory, and tools against fire, theft, storms, and more.
For many small businesses, a Business Owners Policy (BOP) bundles both — plus business interruption coverage — into a single, more affordable package. We'll help you figure out whether a BOP fits or whether you need coverage built piece by piece.
If a vehicle is used for work, a personal auto policy usually won't cover it. Commercial auto insurance protects your work trucks, vans, and service vehicles — and the people driving them — whether you have one truck or a fleet. It covers liability, physical damage, and often hired and non-owned vehicles used for your business.
Workers' compensation is required in New Mexico for most employers with three or more employees, and strongly recommended for anyone with a crew. It covers medical bills and lost wages when an employee is hurt on the job — and protects your business from the lawsuit that could follow. We work with carriers who understand the trades, construction, and oilfield-adjacent businesses common in San Juan County, where this coverage is priced and underwritten correctly.
Not every business risk involves a truck or a jobsite. Professional liability (E&O) protects consultants, bookkeepers, real estate professionals, and other service providers when a client claims your work or advice caused them a financial loss. Cyber liability covers data breaches, ransomware, and the notification and recovery costs that follow — a real risk for any business that stores customer information.
Surety bonds are often required for contractors, auto dealers, and licensed trades in New Mexico, guaranteeing you'll fulfill your obligations. And a commercial umbrella adds an extra layer of liability protection above your other policies — valuable when a single large claim could exceed your limits.
We write commercial coverage for the kinds of businesses that keep northwest New Mexico running. Because we're local, we understand how these businesses actually operate — seasonal work, oilfield service contracts, long drives between jobsites, and the certificate-of-insurance requirements that come with bidding work. The industries we serve most often include:
We're an independent agency — not an insurance carrier — which means we help you compare options and choose with confidence. Health and Medicare decisions are some of the most confusing insurance choices people face, and some of the most important. We take the time to explain them.
Turning 65, or reviewing your plan during Annual Enrollment? We sit down with you and compare Medicare Advantage and Supplement options side by side — no cost, no pressure. Call (505) 333-8004 or check your options online.
Check my Medicare optionsWe help individuals and families weigh traditional health coverage against Impact Health Sharing — a budget-friendly alternative that fits many households. Call to find out whether it's a fit for yours.
Check out Impact Health SharingA quick call or the form on our homepage. We ask about your family, your property, your business, and what you're worried about — not just your VIN and ZIP code.
We line up quotes from multiple top-rated companies side by side, explain the differences in coverage, and tell you honestly which one we'd choose and why.
Once you're covered, we review your policies as your life changes — a new vehicle, a new home, a growing business — and we're the people you call when you need help.
