auto insurance clarifications

henghengzhu

Sorry for can not type Chinese.

3 p9 q4 D  E& j# i' t6 nI 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"?

0 r& U& A) ^2 B- Z5 h  s- T: I+ ]" s+ @3 oMuch 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.
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。
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- P2 `* Y# K' 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％。　

6 G9 z# Y5 U; j0 G2 \" M% m9 D; C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。
$ B3 h# J- z4 X! h. X2 k! {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!