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Protect Your Ride with the Coverage That Makes Sense
Riding around Bloomington — whether off at Hyland Lake Park Reserve, coming back from a ride near Minnesota Valley National Wildlife Refuge, or on your way to the Mall of America, you want protection you can count on. Motorcycle insurance isn’t just something you should get — in Minnesota, it’s the law to carry it.
At Prokop Insurance Agency, we make motorcycle insurance simple to understand, affordable, and tailored for you and your bike. We’re local, licensed in Minnesota, and here to help riders in Bloomington and the Twin Cities Metro feel confident on and off the road.
Why Motorcycle Insurance Matters in Bloomington
You probably already know this part: you need motorcycle insurance to ride legally in Minnesota. But what you may not know is how different coverages protect you in different situations.
Minnesota requires that all motorcycles on public roads have at least the following:
- Bodily injury liability — pays for injuries you cause to other people
- Property damage liability — pays for damage you cause to someone else’s property
The minimum liability limits are generally:
- $30,000 per person
- $60,000 per accident
- $10,000 property damage
Fail to meet these minimums and you risk fines, license issues, and trouble registering your bike.
Here’s the real thing: liability only covers others, not you or your bike. That’s why most riders choose more coverage.
Motorcycle Insurance Coverage Options You Can Choose
We’ll help you understand each option and what it means for your ride:
Liability Coverage
This is the legal minimum. It pays the basic costs if you cause injury or damage to others.
Collision Coverage
If your bike hits another vehicle or object, collision coverage helps pay for repairs.
Comprehensive Coverage
Covers non‑accident losses like theft, fire, vandalism, or weather‑related damage.
Uninsured/Underinsured Motorist Protection
If someone hits you and doesn’t have enough insurance (or any at all), this kicks in.
Medical Payments Coverage
Helps pay for medical costs for you and your passenger, regardless of fault.
Custom Parts & Accessories Coverage
Did you add custom pipes, seats, or paint? You can insure those too.
Roadside Assistance
Flat tire? Dead battery? This helps get you moving again on the roadside.
Seasonal or Storage Coverage
Not riding all winter? You can reduce some coverages while your bike is stored.
Common Mistakes Riders Make (So You Don’t)
Here’s the thing: many riders just pick the cheapest option online and hope for the best. That’s a gamble that almost never pays off.
A lot of agencies online only talk about liability, but that doesn’t cover what matters most to you — your bike and your health. And not all agents explain how factors like your bike type (cruiser, sportbike, touring), your safety gear, and your driving history affect your rate.
At Prokop Insurance Agency, we explain your quote in plain language so you actually get it.
How Motorcycle Insurance Costs Work in Minnesota
Costs vary based on a few big things:
- Your age and riding experience
- Your riding record (accidents or tickets)
- Type of motorcycle you ride
- Annual mileage and how you store your bike
- Coverages you choose
Rates in Minnesota can be pretty reasonable. On average, liability‑only policies are around $9/month, while full coverage runs around $36/month — give or take depending on you and your bike.
Remember: cheapest isn’t always best. What good is a low price if you don’t have the protection you need when it matters?
Why Bloomington Riders Trust Prokop Insurance Agency
You have options. So why pick us?
We’re local
We know Bloomington. We know how Minnesota laws and weather affect riders. Our agents live here too.
Licensed and Experienced
We’re licensed in Minnesota with over 10 years of collective experience helping riders get the right coverage without paying for what they don’t need.
We Work With Top Carriers
We compare plans from top‑rated, state‑recognized carriers so you get good coverage and fair pricing.
Helpful, Real People
No bots. No pushy sales pitches. Just straight answers and friendly support.
Trusted by Riders
Positive reviews from local people who ride their bikes through Bloomington and beyond.
How to Get Started
Here’s the quick path to coverage:
- Get a quote — tell us about your bike and riding habits
- See your options — pick the coverages that match your needs
- Ride with confidence — we’ll help with the paperwork and proof of insurance you need
We make the process fast and simple. You’re busy, and we get that.
FAQs People in Bloomington Actually Ask
Here are the real questions riders ask us most:
1. Do I have to have motorcycle insurance in Bloomington?
Yes. Minnesota law requires motorcycle insurance with minimum liability to ride legally. You’ll need proof to register your motorcycle.
2. What if I only ride seasonally?
You can choose seasonal or storage coverage for months you don’t ride and adjust your policy to save.
3. Will my insurance go up if I add custom parts?
Only if you choose to insure them. Custom parts coverage is optional but worth it if your bike has aftermarket upgrades.
4. Can I bundle my motorcycle and auto insurance to save money?
Yes! Bundling with your auto or home insurance can lower your total insurance costs.
5. Does taking a motorcycle safety course help lower my rates?
Riders who complete approved safety courses often qualify for discounts with many carriers.
6. What’s the difference between liability and full coverage?
Liability pays others’ costs when you’re at fault. Full coverage adds protection for your bike too.
7. How soon will my coverage start?
Once you choose a plan and pay your first premium, coverage can start right away. We’ll walk you through the proof you need for registration.
Final Thought
Motorcycle insurance is one of those things where you feel it only when you need it. It doesn’t have to be confusing or expensive, though. With the right agent by your side, you get protection that works for your ride and your budget.
If you ride around Bloomington, like the crew coming back from a weekend run through Normandale Community College campus or heading to the Minnesota Motorcycle Expo, you want confidence every time you get on your bike.
We’re here to help you do that.
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