auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.

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"?
( x5 H- {) k  m: }6 p
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。

6 W) d' |' r) e6 b, u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％。　
# M$ ~! n% U  D
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- a. P0 b" m- c$ R有问题可以参考我们的汽车保险自动报价。　

  V* ]: J5 _' ?2 g+ |: N7 z点击以下广告试试。
2 M; `; _8 W, E5 n+ S+ _7 C|
4 w( n3 B1 P4 u4 I% ^7 E|
/ z; g3 X! j0 F! @5 ?|
V

henghengzhu

Thank you all for your great inputs!