auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.
2 x1 J, ]* m; t, O1 p0 k$ s; e' l
$ y3 Q5 x7 e) P- II 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"?

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;

watercress

Add: may pay less for premium.
' P  h  I" `8 T3 F& |; a0 X; x& `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。
9 N! A' b$ p8 [
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。
9 |" m: Z# N8 y& M% K" u; x有问题可以参考我们的汽车保险自动报价。　
$ X, o) A8 i5 f5 \+ ]
点击以下广告试试。
|
|
$ o+ U$ e  O& [# m+ L" j" P, i. V|
/ y/ ?$ x; _1 S/ vV

henghengzhu

Thank you all for your great inputs!