Stacked vs Unstacked
Auto insurance stacking applies to Uninsured Motorist Coverage. If you have more than one car insured you may elect to have the Uninsured Motorist Coverage stacked for all the vehicles in your household. For instance if you have $100,000/$300,000 coverage for each vehicle stacking the coverage allows you to increase the amount of protection you have on each car. For example if you have 3 cars each with the $100,000/$300,000 coverage and you elect stacked you will end up with $300,000/$900,000 coverage per car. Keep in mind you will generally pay for it in the cost of a higher premium. Stacking is a great way to provide you with additional coverage in a simple and relatively inexpensive way.
With multiple cars on a policy, you do not have to stack the coverage. 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, you might find it to be much more expensive and more complicated than stacking. Also,stacked coverage is not allowed in every state. If it is available,you will be required to specifically request it as part of your coverage. Most people find out about stacking when their auto insurance agent asks them to check the box requesting stacking as they review the policy application.