auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.
7 c8 D0 T* w% ?1 Q6 b7 q/ }
0 L/ {6 u! v- Q; V$ u% S& s& Z8 a/ J7 yI 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"?

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;
. U: {  u. F/ H3 \( O) q: M

watercress

Add: may pay less for premium.
, o$ s  h/ R  L& y, T7 P( `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。

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。
! W; Z5 ^: Y$ i# O" W有问题可以参考我们的汽车保险自动报价。　

点击以下广告试试。
" u$ L, p# [, ]) o" N|
|
# H6 l0 H% }0 M% h% `! R|
$ Z7 f6 {2 F1 o" B, m  IV

henghengzhu

Thank you all for your great inputs!