auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.

( b' W: A! R1 \/ S8 eI 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"?

9 [2 S$ ?5 N' l9 aMuch 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.
) v- e$ j/ O0 w  P7 A! d) n) _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。
5 r( v, q* |9 c1 V
3 K  K% J0 }6 p. r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。
- R- O! N  K" Y/ M. @有问题可以参考我们的汽车保险自动报价。　
+ V* e% @, _+ _( b: ]
; x# O# P, N3 ?- Y$ h$ y点击以下广告试试。
* D& E* q8 P9 g( S+ k- w! Y; S* D|
|
+ F, t( a* r+ I: x+ N8 J|
: F5 l- W6 s/ y5 zV

henghengzhu

Thank you all for your great inputs!