I am trying to find the relationship between insurance policies/premium and claim counts/cost. When I look at my data, there are about 60% of policies at a given time without any claim/cost. The data is skewed to the left. What would be the correct way to analyze such data using Minitab? There are other variables too for each policy (credit score, financial score) but I need to find out if there is any relationship between low credit score and high claim counts?