auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.

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"?

% s$ h3 k; a1 B5 K" F$ W6 M; lMuch 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;
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watercress

Add: may pay less for premium.
1 p0 [# V% R9 Z* ?" Z3 V3 SNot 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。

1 U' i; K1 J4 s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％。　
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' I6 R- c$ i, u) ~1 q' U2 f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。
/ @8 H. Q0 C8 G' z* u有问题可以参考我们的汽车保险自动报价。　
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& s( i# M5 h/ i4 c! `点击以下广告试试。
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henghengzhu

Thank you all for your great inputs!