auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.

4 m" L6 T6 u, m" D' z6 hI 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"?
& S8 k/ S8 c/ J1 i2 v
. Y& T6 |9 {' e7 P: x; uMuch 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;

watercress

Add: may pay less for premium.
/ T* F7 k, H% U0 h) J7 d  g8 cNot 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。
; w2 }- w/ ]4 ]- c
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* S0 X0 L# Y  t# p# x% S! _
* M$ w1 E) q/ [% ]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。
$ c4 U9 g4 @" _. V( r有问题可以参考我们的汽车保险自动报价。　
+ l% N" {) ~/ q8 d
点击以下广告试试。
|
: C6 c% P: i) X) m* l|
|
V

henghengzhu

Thank you all for your great inputs!