auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.
+ f+ }8 B+ d9 ^( }; n
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"?
6 I* U6 m' E3 S. O6 K; w  i
& e% U5 j; _2 ~  c' j# m" H3 W" L5 \3 ^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。
& S! |0 M4 n  c! B4 N' n. m1 P9 M
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。
有问题可以参考我们的汽车保险自动报价。　
8 U$ |1 e! s3 o6 S, V2 ]/ u
6 d" D3 \7 u5 v  s" d8 c! n. C1 a点击以下广告试试。
" j. c* u3 H8 G' \  v$ ~|
( `' K$ O  B% Y2 ^* O|
|
: [7 D9 Z! ]: k% F+ H& y7 s6 d9 bV

henghengzhu

Thank you all for your great inputs!