"What is stacked car insurance? "

I am looking for an affordable car insurance policy and I have heard that stacking coverage is a good way to get more insurance for less. Is this true, and what are the differences between stacked and unstacked insurance policies?

Answer
“Stacking only applies to uninsured/underinsured motorist coverage on a policy covering more than one vehicle, so if you do not intend to have this coverage and if you only have one car, then it doesn’t apply to you.
Stacked insurance combines the uninsured/underinsured motorist coverage limits for several vehicles or policies to maximize the amount an insurance company will pay out. If you have uninsured/underinsured motorist coverage on your policy and more than one car, then stacking your coverage can provide better financial protection in exchange for a higher price.
Stacked insurance is not allowed in every state, and not all car insurance companies offer it. The best way to find out if stacking coverage is available to you is to contact your insurer or agent. “
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Johnny Puckett
Answered on Apr 19, 2021
Johnny Puckett is a freelance writer and automotive expert. He has contributed content to a number of some of the largest online publications, aftermarket automotive manufacturers’ sites, and automotive informational sites. His experience in the automotive and information fields informs his writing at Jerry. His automotive interests bleed into his free time, where he enjoys modifying his favorite cars and woodworking.
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