Im torn here...I think people should have the choice to wear or not wear a helmet. There is a rush with the feeling of the wind blowing thru your hair on the open road. But on the other hand, I would not be opposed to a helmet law either, in fact, I am actually suprised Ohio hasn't created any helmet laws yet. My first few years of riding, I didnt wear my helmet a lot but I have grown up and realized it is dumb to not wear a helmet. I wear my helmet, jacket, and gloves everywhere I go now because you never know what is going to happen and when you will need the protection. I don't think a helmet law would decrease insurance rates at all...The insurance companies would probably claim they are giving you a discount for helmets when really thet arent since they just marked the rates up so they can discount them back down. In summary, I still believe people have the right to choose, but they also have the right to chose to ride a bike and I think that desicion to ride should come with the obligation to wear a helmet. Respect the road, the bike, fellow riders, and yourself. I would support a helmet law. Plus, a helmet keeps bugs out of your hair and face and your eyes dont water, and you dont get smacked in the throat by huge bugs or rocks either. See, wearing a helmet has its advantages.