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"?
' q8 q. R+ X; u7 P8 J1 C" n
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;
9 T" W0 h% }, ]  N, u

watercress

Add: may pay less for premium.
2 q9 G( t/ c! [' _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。
8 q9 ~& A6 y: j/ G1 T; s8 U
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。
7 P; n$ M" K+ [3 \+ _+ J1 \有问题可以参考我们的汽车保险自动报价。　
. \8 D/ h( s0 f# V
8 J! s+ T, |+ I  Y4 {  O3 n' e; z点击以下广告试试。
) i# d9 ?' U. O( u) C" p|
|
; B3 W! V5 P3 ||
V

henghengzhu

Thank you all for your great inputs!