auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.
+ j$ p( ~* p6 b! K7 B5 L
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! w8 ?* d8 M8 Z' k: [0 M; vMuch 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.
9 d3 t) ^( P( u4 h. K* pNot 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。
  d. I! ?0 n" g/ {( N! m9 ]
7 e6 T, ~3 f6 w; V0 I7 T, E" 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％。　

1 q8 L9 J* B. g& u7 {, @- c# x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。
有问题可以参考我们的汽车保险自动报价。　
. }& u& v3 b* P+ ]( \+ B0 o
7 y0 L. m8 O- ^# q, j点击以下广告试试。
0 ?9 `9 j% o; {6 y& x|
: V: B1 s  ~  r|
|
1 P, l2 ]$ m) NV

henghengzhu

Thank you all for your great inputs!