Can I take out car insurance and not using a chassis quantity? – Bankrate.com

When applying for car insurance, you will need to provide certain information: personal information such as your name and address, and information about the car. One piece of information that you need to have on hand is the vehicle identification number (VIN). This number is required to complete your policy purchase.

What is the VIN of a car?

VIN stands for vehicle identification number. This is a unique, 17-digit alphanumeric identifier that is assigned to your vehicle when it is built. Every car has its own VIN number that is retained for the life of the vehicle.

You can find the VIN in a few places in a car. It can be on the driver's side windshield, which is usually easiest to see if you stand outside the car and look into the corner where the dashboard meets the windshield. If the VIN isn't there, you should find it in the driver's door near the door latch when it is closed. Sometimes the VIN is written on the inside of the trunk or the trunk lock. You can also find it in the vehicle registration document, in the title and on your insurance card.

What does the chassis number tell you? Each character is encoded with specific information, including the following:

  • The country where the car was made
  • Make and model of the vehicle as well as more detailed information such as engine type and transmission
  • The year of the car
  • The manufacturing facility where the car was assembled
  • Whether the VIN is valid (known by the ninth character which is a security code)
  • Manufacturer-specific information, such as factory-installed options on the vehicle (known from the last six-digit serial number)

Do you need a chassis number for car insurance?

The short answer is, yes, you need a chassis number when getting car insurance. However, you don't need one to start purchasing a policy. Insurers can make you a general offer without a chassis number. So, if you're thinking about buying a particular car but haven't driven to the dealership yet, you can get an idea of ​​the cost of insurance by giving you a few quotes.

Once you've decided on a specific car, you'll need the VIN to actually buy the policy. The chassis number gives the insurance company valuable information and enables them to provide you with more precise offers. No insurance company will sell you a policy without having the VIN on hand.

What you need for car insurance quotes

Getting insurance quotes is easy and, in many cases, can be done online. The information required for a quote varies from state to state, but usually you'll need your name, address, date of birth, and driver's license number. Your potential insurance company also needs to know the year, make and model of your vehicle, and the mileage. Some insurers may ask if the car will be kept in a garage or outdoors. In addition, you should be ready to provide information on who your previous insurer was (if any) and when that contract expired.

You may be asked for the VIN at this point, but you should be able to get the quote without it. Note that the listing may not be as accurate as if you had the chassis number. Your insurer will only be able to make you a final cost offer after viewing the chassis number.

If you are looking for a used car. but haven't bought yet, ask the owner if you can have the chassis number before you start looking for insurance. Although it is not strictly necessary to get a quote, the insurance company will give you a much more accurate price with the vehicle identification number.

When looking at new cars, you may not have access to the VIN at first, although many dealerships list the VIN with the vehicle information when you buy your car online. Most major auto insurance companies only require a minimal amount of information on their websites in order to get a generalized quote. This should give you enough information to get a good idea of ​​what your premium will be, but it may not exactly match your final cost.

Remember, insurance quotes are an estimate of what you will pay, and not set in stone. If you do not include the chassis number in the original offer, the offer may change as soon as the insurer has the more precise and specific information in the chassis number.

What you need for car insurance

Once you're ready to buy your policy, you'll definitely need the VIN. Your chassis number provides relevant information for the insurance process, e.g. B. if the vehicle has been severely damaged in the past or has been stolen. You may also need to provide information that the offer might not require, such as: If your license has ever been suspended, the company needs to know this along with the details of your case.

Why are VINs important?

A chassis number is to a car what your fingerprint is to you. It is unique for each vehicle and contains a wealth of information in its 17 characters that tell your insurer the origin and history of the car. No car on the street has the same VIN, so your insurer knows exactly what it takes to specify your policy.

As a driver, you don't need to remember your car's VIN, but knowing where to find it is helpful. For your insurer, the chassis number is an important piece of information with which he can assess the risk he is taking in insuring the vehicle. Sharing your car's VIN with potential insurers can help you get more accurate quotes so you can make sure you're getting the best insurance policy at the best possible price.

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