auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.
4 c  v$ h& t; o' c" w
2 e+ k& z" a9 J& Q+ i7 C) v- SI 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"?

' f( y6 H1 Q4 X! l( [7 Z$ _. ZMuch 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。
% s, r$ T- j, b& v) \( Y
' u, l$ i( B; ~  C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％。　

* K% U: a9 B. o  Q+ 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。
; n" |, V+ V2 ]; ^, C. A: P; n% G有问题可以参考我们的汽车保险自动报价。　

- z8 y: v8 j/ i: t点击以下广告试试。
; U) W- U! u$ M. f/ K# H|
|
|
# c0 }1 h. s9 }  h! A) VV

henghengzhu

Thank you all for your great inputs!