auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.
% Z* l: `1 q$ }8 H' ~, l" t
, S  u! P! g  |+ mI 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 f; V  m( Y# f( h& V! A
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;
) E  a/ O, |3 v0 Y3 I

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。
$ ^* c2 ^3 f+ O9 I
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％。　
* O4 M# l, t) X! B. a9 M
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。　
% G( h9 o4 U2 A( U% _/ P
" R; B( N# Z0 `  D点击以下广告试试。
|
. x* m) M$ p* z$ s, v+ E  ~( [, b% z% u|
  T7 w5 X' C# o  F5 K% N1 [0 i|
- i5 A9 o0 R1 C$ S1 V0 J) C: ^  f0 v( }V

henghengzhu

Thank you all for your great inputs!