auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.
) [% x$ U1 C! S/ e1 ^" m1 x
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"?
  {% Z2 Q0 i+ z. z" u
: q8 M0 E: S- h3 Z! eMuch 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;
- m3 }( Z$ y# ?2 u

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。

: f8 Q! S" V: `# B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％。　
& G* }. I3 b3 E, }
) f9 {& K  a; b$ W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 n4 }; I' z' a0 C- \8 H$ j有问题可以参考我们的汽车保险自动报价。　
) N9 G, E+ s7 x$ e
$ K2 |% k8 s7 R点击以下广告试试。
8 T) b0 i: V5 Q  @; t* w|
|
|
( w6 D1 n4 k( j- a9 P5 h3 ZV

henghengzhu

Thank you all for your great inputs!