auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.
$ B- F. V+ `! W1 Q7 Q
2 j' l& x/ d. G1 k" NI 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"?
' Z6 S2 W7 g; i0 |8 W
; q& @$ c; |+ v0 F8 n7 \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;
6 y2 e; T6 |$ U

watercress

Add: may pay less for premium.
, {* K2 s  i) O" L9 }( QNot 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。
* D+ V: @+ m( Z; `5 }1 P& Q
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。　

. }% m0 A/ I! e& w1 m! y2 z- w点击以下广告试试。
" ?, k, F' N2 z, K# t$ r|
1 }6 V. D' `% K( G# m3 n|
|
V

henghengzhu

Thank you all for your great inputs!