auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.
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& x1 I! z2 I6 c- k$ a2 Y" rI 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"?
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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;
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watercress

Add: may pay less for premium.
  J' ^; t% }# \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。
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; l9 X, {3 R& M# p. u6 N# F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。
1 t/ [8 D' r! D7 X6 a" h& K) E有问题可以参考我们的汽车保险自动报价。　

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henghengzhu

Thank you all for your great inputs!