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"?
) \( @& D: m- ]
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;
; N  z& O* n4 R  y# x! x

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。
  R4 m) M6 P- g, j* d! C2 P- \. V- 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％。　

) G; v" P/ i" e% v8 ^0 b9 j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。　
1 j& H9 D" _, c" z9 o2 r
点击以下广告试试。
|
|
|
$ D: V7 C* d' ?  T2 d7 R* @! ?V

henghengzhu

Thank you all for your great inputs!