An insurance company's records of 12,299 automobile insurance policies revealed that 2073 made a claim. Among insured drivers under age 25, there were 1032 claims out of 5192 policies (courtesy of J. Hickman). Assuming the claim history is valid for the current year, determine the probability that
(a) An insured driver will make a claim.
(b) An insured driver under age 25 will make a claim.
(c) Comment on the need to charge more for insurance for a person under age 25.