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We're probably dealing in semantics here. The problem I had with your earlier description was the term "dropped coverage".
I'm assuming this is a renewal you're discussing with your agent. So, let's say you have 3 cars and have been charged $50 per car for UIM. Now, they're charging you $145 for one car, with increased limits, even though you still have three cars. Given that these figures are for illustration only, is this the general situation? .
Yes this is the general situation. I was wrong earlier when I said dropping coverage. I was getting the story from my wife who had talked to our agent. She had me confused as to what they were wanting to do so I called and talked to him and he explained everything to me.