auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.
; K& R3 {- a; Z$ a8 Z
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"?
* q" G9 T. ?3 v8 f9 Z& C
Much 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;
, a; V( k9 n/ V

watercress

Add: may pay less for premium.
( G& M4 N- X6 jNot 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。
6 C# ~1 b9 [2 Y3 n$ _) N
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％。　

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。
! k) a, c! \# L/ o有问题可以参考我们的汽车保险自动报价。　
0 H* k! I5 i+ n, X4 Z1 f% T
点击以下广告试试。
! {! i6 Y4 D" g, c# @6 Q|
, }0 t) [0 s. t* G. n: f7 g|
|
/ M, v! Y* H) f2 o- TV

henghengzhu

Thank you all for your great inputs!