auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.

. `3 _5 z  ~4 B+ ~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 C' ?) Z2 j, ~6 N
% G. K1 L8 p6 J7 LMuch 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;
4 D+ D8 w# T$ D4 D1 L, n

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。

6 R; o3 M1 @- c! |1 b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％。　

* K5 ?) ?& I: x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。
) |, k$ m- K: O# i8 N有问题可以参考我们的汽车保险自动报价。　

点击以下广告试试。
0 B7 K* ^6 r* E|
) N! k3 v/ ^  V- g|
|
# ?+ |( c6 s  b' ~V

henghengzhu

Thank you all for your great inputs!