auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.
+ M' _  G6 g- T3 |# Z. B. T! X
2 K$ }  d7 p/ c- r5 ]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"?

" T- X/ c* u+ A  N5 f0 `) _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;
" Q1 w, W+ V) m  ?$ n$ O

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。
% n' L4 v5 q  t9 t+ ~( R
" ?- T' K/ G0 ^* F$ Z2 Y/ H8 w7 e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％。　
' m$ a7 g9 L' O4 u4 ]! v8 t
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。
1 D4 U) R* a/ _+ t, A; J有问题可以参考我们的汽车保险自动报价。　

2 a. b8 b1 H7 \. G* e5 O点击以下广告试试。
6 {* P7 T/ }" G, t|
|
|
V

henghengzhu

Thank you all for your great inputs!