auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.

3 `& B2 I* L5 H4 E! }+ T3 q* y; r+ TI 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"?
$ |3 q, z& o, }( a, }
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;

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。
/ ?. F% E& Z2 ^) M. I7 N' j
. c& A' X: m+ X# T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％。　
6 o. q/ x* D- c' ~
6 ^% P5 a% i# {+ b8 C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。
8 {1 S# ?3 i; I: d& V7 [$ }有问题可以参考我们的汽车保险自动报价。　

. w& T% G) M/ V2 n点击以下广告试试。
0 K! L* A0 j, h|
) R0 M9 j% Z7 n" l" N9 U|
$ {* C+ r+ X. ||
V

henghengzhu

Thank you all for your great inputs!