auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.

. o1 e2 c9 \& B& |! p* 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"?

, ?  t) ^( O  ]5 EMuch 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;
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watercress

Add: may pay less for premium.
& i# W" T; l  I# r. mNot 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。

- k) J0 G  C* W9 q# E" V7 p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％。　
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+ P# r$ T, m* k  z5 d* _9 P6 P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。
2 F" S) m1 h6 H1 j% e" \% N3 L有问题可以参考我们的汽车保险自动报价。　

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henghengzhu

Thank you all for your great inputs!