Final answer:
The individual with the lowest insurance rates, all other factors being equal, is likely someone from a small town due to reduced risks of accidents and theft. Other options typically contribute to higher premiums due to increased road time, higher risk behavior, or the level of safety features in the vehicle.
Step-by-step explanation:
When considering insurance rates, various factors play a significant role in determining the cost. In the context of the student's question, the individual who would typically have the lowest insurance rates is A) A person living in a small town compared to a large one. This is due to the generally lower risk of accidents, theft, and claims in smaller towns compared to larger cities with higher traffic volumes and crime rates.
Driving a car for pleasure as opposed to commuting to work (option B), would often lead to higher rates because the time spent on the road usually correlates with the risk of an incident. A person with a speeding ticket (option C) is often seen as a higher risk compared to someone with parking tickets, due to the former potentially leading to more severe accidents. Lastly, while safety features can lower rates (option D), the presence of a car alarm alone usually does not outweigh the combination of anti-lock brakes and airbags, which directly contribute to preventing accidents and reducing injury severity.