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"?

3 t+ s. K& c' I5 [0 o( e6 H- NMuch 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;
5 j' m6 \% Q& X, C8 J

watercress

Add: may pay less for premium.
" G  I; \/ n7 b$ a# A3 F( V% q4 wNot 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。

/ A+ a( m: i$ J4 J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％。　

; z. ^  d* r/ ^3 Z7 d' z9 m* A" {- }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。　
' t# }( }$ `. E# X0 r" U
0 K- |3 f' Q$ u( u点击以下广告试试。
. t& o: L: }7 {* T& o|
% q2 `" @: E# O: c. ]2 k1 Z|
|
7 n) h7 L6 N: Z9 m6 |' ^) M- TV

henghengzhu

Thank you all for your great inputs!