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What is "stacking" as related to car insurance in Florida? My zip code is 33496.


By selecting stacking for your Uninsured/Underinsured Motorist Bodily Injury coverage, you increase your limits for each of these coverages by the number of cars you're insuring.

Stacking of UM ONLY applies if you have more than one vehicle on your policy.

Why would you choose stacking for your auto insurance?

If you were to insure 2 cars and select stacking, your Uninsured/Underinsured Motorist Bodily Injury coverage limits of $50,000/$100,000 would double to $100,000/$200,000. If you were to insure 3 cars and choose stacking, $50,000/$100,000 limits would increase to $150,000/$300,000.

Selecting the stacking option for uninsured and underinsured motorist bodily injury coverage increases your premium, because it increases your limits!

UM covers you, the insured members of your household and your passengers for bodily/personal injuries, damages, or death caused by an at-fault uninsured or hit-and-run driver. If you are involved in an accident where the other driver is at fault but has no insurance, your policy will cover your medical expenses, up to the limit on your policy.

If you have more than one vehicle and want to increase your coverage limits, select Stacked. If you want the limits indicated then select Non-Stacked. Stacking UM is another option in car insurance to get higher limits because you have multiple vehicles.

We did a comparion of rates with stacking versus not stacking UM coverage in Florida.

  • A 2 vehicle quote with 50/100 BI and UM Non-Stacked - $622.06.
  • A 2 vehicle quote with 50/100 BI and UM Stacked - $669.03.
  • A 2 vehicle quote with 100/300 BI and UM Non-Stacked - $736.29.

You can see that is less expensive to get 50/100 BI and UM Stacked (where your UM limits are actually 100/200) then it is to purchase higher limits on BI and UM.

This may confuse you more, if so - calll a CarInsurance.com licensed agent for assistance at the number listed at the top of the page.


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5 Responses to "What is "stacking" as related to car insurance in Florida? My zip code is 33496."
  1. Visitor

    Very useful.

  2. Visitor

    Easy to read, to the point, written in clear concise language. Thanks much!

  3. Anonymous

    Does not reasonably explain why one would choose this option. Do both my vehicles need to be involved in the same accident caused by a dead-beat driver? If not, why not just increase the limits without stacking? And what part of auto coverage deals with the damage to my vehicle caused by an uninsured driver?

  4. Anonymous

    Thank you. I got scammed for many two years paying for stacking when i only had one vehicle insured. State Farm is a rip off

  5. Anonymous

    Great information...clear and concise! Thanks!