All other things being equal, which of the following people would have the lowest insurance rates?

A. a person living in a small town compared to a large one
B. a person who drives his or her car to work rather than for pleasure
C. a person with a speeding ticket versus a person with three parking tickets
D. a person with a car alarm versus a person with anti-lock brakes and airbags

Ans: A. a person living in a small town compared to a large one