Owning a motorcycle in Texas is amazing. The weather is great right throughout the year with very few exceptions. There are also tons of wide, open roads to go riding on. Unfortunately, you do share the roads with drivers who do not always pay attention. Drivers are easily distracted by cellphones and gadgetry inside their vehicles, causing accidents and near misses. 

Motorcycle insurance might help to ensure you have the coverage you need in the event of an accident. NerdWallet points out that insurance protects three main things: your investment, your passenger and yourself. The personal finance company advises bikers to shop around for motorcycle insurance just as they would for auto insurance. This helps to ensure you get the best rates. 

When drivers are the ones to blame, you may wonder why your own insurance policy even matters. Should their policy not cover the damage? There are a few instances where it may come in handy even when you are not at fault. One such instance is if the driver who collides with your bike flees the scene and you are unable to identify them. 

Some states, for instance, allow medical payments and personal injury protection as add-ons for motorcycle insurance. These ensure you have the coverage you need to pay for health care for your passengers, yourself and pedestrians who may have become injured. 

While extra coverage provides peace of mind, try not to overpay. There are several ways you might be able to score a discount. These include adding a car or home insurance policy, joining a qualifying organization for bikers or completing a training course. Ask prospective companies about potential discounts before signing on the dotted line. 

This article shares information about motorcycle insurance from NerdWallet. It should not be used as or in place of legal, financial or insurance advice.