auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.
. c5 D( ~2 c) x& a
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"?
3 I0 c% [! N; m4 W8 R
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;

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。
8 o$ W9 o8 \& }/ G! B6 O
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％。　
  `2 `% ~/ L; p- L
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。
3 b4 T& o; e; h: v有问题可以参考我们的汽车保险自动报价。　
, w" _: q* d3 M$ n* w
* p& D$ A9 u' z4 Q, w点击以下广告试试。
, ]$ a, |) q- M/ t% H% l|
|
|
V

henghengzhu

Thank you all for your great inputs!