Which of these factors might NOT impact your insurance rates?

Driving under the speed limit consistently is a strong indicator of safe driving behavior, which typically leads to lower insurance rates. Insurance companies reward drivers who demonstrate responsible driving habits by offering discounts or better rates, as they are perceived to be lower risk. Safe driving can reduce the likelihood of accidents, thus minimizing claims and expenses for the insurer.

In contrast, elements like legal history, credit score, and frequency of claims are factors that insurance companies take into account when determining premiums. A poor legal history can suggest a higher risk of claims, a low credit score has been correlated with a higher likelihood of filing claims, and frequently filing claims can indicate that a driver poses a higher risk. Therefore, driving under the speed limit is the only factor among the options listed that has little to no negative impact on insurance rates, making it the correct answer.