Your car’s vehicle identification number (VIN) is a string of numbers and letters specific to the vehicle. Like a fingerprint, each VIN is unique. You might see them called VIN numbers in some cases, and knowing what yours is can be very helpful.
VINs are commonly used when signing up for insurance, buying used cars and protecting yourself against vehicle-related theft or fraud.
Vehicle Identification Numbers Explained
Each VIN is exactly 17 digits long, no more, no less. If your VIN is shorter and 17 digits, then it’s incomplete, and you should look elsewhere to find the full VIN.
There’s important information contained in the VIN, such as vehicle specifications and where it was made. This information is coded, with every few digits representing a different code.
Each code has a set position within the larger string of digits. For example, the first character always tells you what country manufactured the car.
Although each VIN is unique to a specific vehicle, the positions of the codes stay the same across all VINs. Because every VIN is different, it can be used to quickly identify a vehicle.
How to Find a VIN
Cars have a VINs written on them to make VIN lookups easy. Usually the VIN is listed on the driver’s side of the dashboard, right where it connects to the windshield. If you can’t find the VIN listed there, there’s a few other places to look.
The VIN could also be located on the interior of the driver’s side door, or under the front-end of the car’s frame. Some models may also include the VIN under the hood of the car.
If you’re having trouble finding the VIN on the car, it may be purposely concealed. However, your VIN will also be listed in your car insurance policy documents, as well as in your car’s title and registration.
How to Decode a VIN
Every VIN is 17 digits, which can be broken down into 3 sections: World Manufacturer Identifier (WMI), vehicle descriptor and vehicle identifier. Let’s take a quick look at each section.
World Manufacturer Identifier (WMI) section:
The first section includes 3 digits. This section tells you the most basic information on the car, such as what country it’s from.
- Digit 1 tells what country made the car.
- Digit 2 indicates the car’s manufacturer.
- Digit 3 gives information on the car type, when combined with the first two digits.
Vehicle Descriptor Section:
The second section includes more specific information on the car, including technical information about the car type.
- Digits 4 to 8 provide further specifics on the car, such as the car’s model, body and type of engine.
- Digit 9 is the check digit, which is assigned by the manufacturer to ensure VIN accuracy.
Vehicle Identifier Section:
The third section further identifies the individual vehicle. This section can include the car’s serial number, and other manufacturer-specific identifying information.
- Digit 10 indicates the car’s model year.
- Digit 11 shows which plant assembled the vehicle.
- Digits 12 to 17 generally indicate the individual car’s serial number.
Why You Might Need Your VIN
Your car’s VIN has many uses. Car insurance providers, used car buyers and law enforcement agencies all rely on VIN searches for various purposes. And you’ll need access to your VIN in different situations, as well. Here’s a few times when your VIN will come in handy.
- Purchasing car insurance – Whenever you sign up for a new car insurance policy, you’ll need your VIN at some point in the process to verify details about the vehicle. These days many car insurers will allow you to input your car’s specs yourself to get an insurance quote. But to finalize the policy, you’ll need to give the provider your VIN to verify the car’s specifications.
- Find any previous owners of a motor vehicle – A car’s past ownership is linked to the car’s VIN. If you’re interested in finding out more about a car’s previous ownership, you can search using the VIN. This can be done using a number of different VIN lookup websites, such as the VIN check tool at National Highway Traffic Safety Administration.
- Learn about accidents and repairs – You can get a vehicle history report through services like Carfax that will tell you about some major accidents and repairs the car has experienced. If the car has a title brand, it should come up in the report.
- Check for a manufacturer’s recall – If you look up your car’s VIN with a VIN lookup tool, you will be able to find any manufacturer recalls associated with the car. If you’re planning to buy a used car, check to see if any safety recalls have been issued.
- Identify a stolen car – A VIN check from the National Insurance Crime Bureau will tell you if the car has been reported stolen in the past. If you’re in the market for a used car, this is best practice to ensure you’re not purchasing stolen property.
How a Car Insurance Company Uses Your VIN
When issuing a new policy, car insurance companies check VIN numbers to ensure they have the correct vehicle details on file. Online quoting tools make getting quotes fast and easy, and you can sometimes get an online quote without providing a VIN.
But before the car company actually issues the policy, they’ll want to see the VIN. That way the provider can verify the information you gave to get the quote. The VIN also ensures the provider knows about the car’s history, including whether it’s a stolen vehicle or has a title that’s been branded with something like flood damage or salvage.
Although you usually don’t need your VIN to get a car insurance quote, it can be a good idea to provide it during the quoting process to ensure you get the most accurate quote possible.
Frequently Asked Questions
Do I need my VIN to get car insurance?
Yes, you’ll need to provide your VIN at some point during the process before a provider will agree to insure you and your vehicle. But you can usually get an insurance quote without providing your VIN.
What is the best car insurance company?
Car insurance needs are unique to the person and the car they drive, so the best insurer depends on your specific situation. To find a reliable policy that fits your needs, it’s a good idea to shop around for a few different quotes.
Can I still get insurance if I bought a car with a branded title?
Insurers have strict rules on what kind of coverage they’ll provide for a car with a branded title, and many won’t ensure certain kinds of title brands at all. However, some providers may agree to minimum coverage on vehicles with title brands. But you should be aware that purchasing one of these cars will limit your options for insurance.