What Is Auto Insurance Stacking?
Auto insurance stacking applies to combining coverage for under insured and uninsured motorist bodily injury if you have multiple cars. By combining coverage, you are able to substantially increase the payment limits of your auto insurance should you be involved in an accident with an uninsured motorist. For example, if you had $50,000/$100,000 coverage and decided to exercise the stacking option for a second car, stacked coverage for both cars would be $100,000/$200,000 (existing coverage times two cars). With three cars, the coverage would increase to $150,000/$250,000 and so forth for additional vehicles.
With multiple cars on a policy, you do not have to stack the coverage. As in the above example, each car would be covered at $50,000/$100,000 individually. No matter how many cars you have on the policy, the amount of coverage for each car stays the same. This will save you money in premiums, as stacking carries a heavier fee. However, if you were to try to increase the coverage level of each car to the amount the stacked coverage would be, you'd find it more expensive and more complicated than stacking.