I think it was posted somewhere on this website, but someone linked to an article about DOT vs Snell and which is better. Basically I am now of the opinion that Snell might even be worse for you in some situations because they have to make the foam harder to absorb the second impact that they require (DOT only requires 1 impact). See if you can find the article, its a great read. I’m not sure about the insurance rates, but my insurance never even asked me about the type of gear I wear.
~Best Beginner Motorcycles Admin