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"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?

avatar
Johnny Puckett · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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. “
Car Insurance
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