auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.
9 F5 ?7 @1 ]( k+ C& D* [2 G
9 @" Q# o4 A% z- U3 yI 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.
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。
: H/ J  W) c7 ?$ i4 J6 M+ x
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％。　

. @0 S; G, j* d/ D1 R* [7 w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。　
. z, s5 d8 Q& H; k! {
% [- y0 Y7 e5 U" x点击以下广告试试。
$ _- Y6 o) N0 f  O6 B|
|
. C0 w7 c9 G# l; a4 W7 J|
9 n2 K' {6 s* H' F9 oV

henghengzhu

Thank you all for your great inputs!