auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.
, k4 E. Y; c6 b. P& ]
6 I5 p6 ~" J7 n8 M6 k- _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"?
' y( p7 C6 s9 [8 z7 l4 k
3 b$ G/ M1 l" S8 K0 l2 jMuch 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;
" M! N6 y) k  i( z; @) v% B. H, Q

watercress

Add: may pay less for premium.
% k+ }4 W% v, O* {; K0 P4 e5 U2 T5 ENot 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。
有问题可以参考我们的汽车保险自动报价。　
( V: f7 q3 z( q8 s& D
: v, b3 q2 ?$ g1 g2 V/ ^点击以下广告试试。
, C% y0 U/ t' ~% U$ r|
& y( G- `* H/ ?/ m* _|
$ y( L0 V" z  O: F7 i, V|
* X4 i: y( t$ S% L, fV

henghengzhu

Thank you all for your great inputs!