auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.
: H7 l: N8 f2 U
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"?
& [% D% |  Z3 |* E7 S0 _! h
# j5 _4 w6 [( sMuch 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;

watercress

Add: may pay less for premium.
Not 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。

. O% y, W$ q5 P6 k# A# 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％。　
' }" o0 e6 C4 Y: p
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。
7 S1 ?: h; Z$ n4 [9 W: [  c有问题可以参考我们的汽车保险自动报价。　

& G& i" W+ A* g! Z. ~8 F& I- ?7 ~点击以下广告试试。
|
1 P+ q$ f/ R) u1 Q9 P, q  i& @|
: {% p3 |9 `6 k9 x+ `2 b( ~|
V

henghengzhu

Thank you all for your great inputs!