auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.
! A8 ~0 ]8 K- W" ~+ T1 {$ v! X% E/ i
I have two questions need your suggestions: If there is only one car in the family, and the husband is the principal driver, the wife may drive the car once in a while. Does the wife have to be added on the auto insurance policy as a "secondary driver"? What's the pros and cons of the options "add" or "do not add"?

: b/ w7 l0 u# K, y+ xMuch appreciated for your help!

wil

通常这个不是你能决定的, 保险公司会要求有驾照的人都加在policy里面,除非你有自已的保险;
# U; \/ S- q$ A4 _$ e5 d

watercress

Add: may pay less for premium.
8 ~4 O. w: F$ a* c: C# D- c4 _1 lNot add: the casual driver don't get to have insurance history so insurance premium will be higher if s/he decide to purchase auto insurance in the future.

精打细算

需加上。　保险公司风险提高。
( @2 l# |0 J. p' q! d% u
除非你在一些保险公司享有顶级评级，否则保费一般会涨。涨幅介于另一个人的风险与驾龄，　如果新手的话，一般是以新手单独保费的２５％。　
7 _6 u, v2 o1 I8 O4 Z
要享有顶级评级，必须起码有６年无事故以上的经验，　没有交通罚单记录等。
' k1 n& M+ V5 e) {! B有问题可以参考我们的汽车保险自动报价。　
; \$ N. q% R3 f& D8 @9 v5 x
点击以下广告试试。
|
% H  b- e! t$ B1 t|
" ~5 r- T/ L! u|
* b9 \) @, X8 u, ^% o2 |2 S9 ^V

henghengzhu

Thank you all for your great inputs!