auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.

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"?
% g3 _' Q* W/ J: q" B
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;
0 |+ v' Q% Y) @% p5 G4 p$ S# x! v

watercress

Add: may pay less for premium.
' V" V# [) j. A9 g: ^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。
( ?9 S  _4 T( V: p7 k
* `/ Q# O3 R( c* ?8 v: ?9 W/ ^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。
' N; a+ X: i# h, j. h" k有问题可以参考我们的汽车保险自动报价。　
" ?; W  a2 Y/ i4 ^% D& d- K
点击以下广告试试。
|
|
|
V

henghengzhu

Thank you all for your great inputs!