In the context of auto insurance, "non-stacked" refers to a specific method of determining coverage limits for uninsured/underinsured motorist (UM/UIM) coverage. Stacking and non-stacking are two different approaches to calculating the amount of coverage available in the event of an accident involving an at-fault driver who lacks sufficient insurance.

Non-stacked coverage means that the policyholder's UM/UIM limits apply separately to each vehicle covered under the policy. If a policy covers multiple vehicles and has non-stacked coverage, the insured cannot combine or "stack" the coverage limits from different vehicles to increase the total amount available in a claim. Instead, the coverage limit for each vehicle stands alone.

While non-stacked coverage typically comes with lower premiums compared to stacked coverage, it may provide less overall protection in situations where the damages exceed the coverage limit of a single vehicle. Stacked coverage, on the other hand, allows policyholders to combine the coverage limits for multiple vehicles on the same policy, potentially providing higher compensation in the event of a covered accident.

It's crucial for policyholders to carefully review their insurance policies and understand whether they have stacked or non-stacked UM/UIM coverage, as this can impact the level of financial protection available in the unfortunate event of a collision with an uninsured or underinsured driver.

Determining the auto insurance company with the best rates can be subjective and depends on various factors, including individual circumstances, location, driving history, and coverage needs. Different insurance companies may offer competitive rates based on these factors. To identify the company with the best rates for a specific individual, it's advisable to obtain personalized quotes from multiple insurers and compare them.

Some well-known auto insurance companies that are often recognized for offering competitive rates and good customer service include Geico, Progressive, State Farm, Allstate, and USAA (for military members and their families). However, rates can vary widely based on factors such as age, driving record, type of vehicle, and coverage preferences.

Shopping around and obtaining quotes from multiple insurers is a prudent approach to finding the most cost-effective coverage. Additionally, taking advantage of discounts, maintaining a good driving record, bundling policies, and exploring available loyalty programs can help policyholders secure favorable rates. It's essential to regularly review insurance options to ensure that coverage remains aligned with individual needs and to capitalize on any potential savings or discounts that may become available over time.