If you own a classic car in Michigan, and still have your vehicle registered with regular license plates, you’re missing out on a lot of easy savings! In fact those savings amount to over $153 per year, per vehicle. If your classic/antique vehicle qualifies, making the switch on your registration from standard to historical is very easy. It’s just a matter of filling out an application. This article will go over everything you need to know to help you get the process started.
Where do the savings come from?
The savings comes from two places:
How much do I save?
Starting on July 1, 2018, and going until July 1, 2019, the mandatory MCCA fees for a regular vehicle goes up to $192 per year, per vehicle. Historical vehicles only pay 20% of that, which is $38.40. So that’s a savings of $153.60 in MCCA fees alone. In addition, the savings on yearly registration fees are significant. In Michigan, registration fees vary according to the vehicle. So the savings will vary as well.
To calculate your yearly average savings on the registration part, take the amount you would pay yearly for renewal as a regular vehicle, and subtract three dollars (yearly average cost of historical registration fee). Add that to the $153.60 you saved on MCCA fees, and you have your yearly average savings total.
Why your next upcoming registration renewal is the perfect time to switch to historical plates.
This upcoming fiscal year will be the highest that MCCA fees have ever been in its 40 year history. As I mentioned earlier, it goes up to $192 per year, per vehicle in July. This breaks the previous all-time high of $186. So this would be the ideal time to make the change. The savings mentioned earlier is as high as it’s ever been in any years past.
Should I insure my classic car on my regular auto insurance policy or buy a separate classic car insurance policy?
If your classic car qualifies for history tags (see the qualifications I listed above), it most likely qualifies for classic car insurance also. And if so, you definitely want to insure your classic car on its own separate policy. Coverage is much better with classic car insurance than versus regular car insurance…. And the best part, classic car insurance premiums are usually much less than regular auto insurance due to it being only an occasional use vehicle. A classic car insurance policy beats regular auto insurance in coverage, price and claims (claims adjusters specialize in classic cars).
How much does Classic Car Insurance cost?
Prices vary based on the value of the vehicle and many other factors. If you would like help finding you the lowest classic car insurance rate, click on the link below and I will be happy to run you a quote with three of the leading classic car insurance companies.
Click here to get an Online Classic Car Insurance Quote
How does Ohio SR22 Bond Auto insurance work?
There is a lot of confusion about SR22's and how they work. Much of the confusion is because of common terminology that we all use, but is misleading. For example:
An SR22 is NOT a bond.
An SR22 is NOT auto insurance either.
An SR22 is a state filing that you can attach to some type of auto insurance policy, if the BMV requires you to carry it. An SR22 can attach to a regular auto insurance policy, a Financial Responsibility Bond (Ohio is the only state that has such a bond), or a Named Operator policy (for people who need auto insurance but don't own a vehicle).
An SR22 state filing is something that the BMV requires drivers to obtain after a license suspension. Once a suspended driver has met all the requirements to get his/her license back, getting an SR22 filing is usually the last step a driver needs to take before getting their license reinstated.
How does an SR22 filing work?
When you attach an SR22 onto some type of an auto insurance policy, the auto insurance company is required by law to notify the BMV that you have at least state minimum liability auto insurance coverage. This triggers a license reinstatement (assuming all other requirements have been met)....
However, if you ever were to lapse or cancel on your auto insurance policy in the future, the auto insurance is required by law to "tattle" on you to the BMV. Once the BMV gets notice that you have canceled on your policy, they will suspend your license again... Your license will remain suspended until you file another active SR22, whether it be reinstating your old policy or starting a new one.
So the best way to understand how an SR22 filing works is to think of it as a "tattle-tale" attachment. It tells on you when you cancel your policy, as state law requires the auto insurance companies to do.
How long do I have to carry an SR22 filing?
For the vast majority of drivers, the SR22 filing period lasts usually three years. But it can be more or less, especially if it is court ordered.
One last tip:
Not all auto insurance companies will do SR22 filings. And some will charge a fortune to do so.... You need to find an independent agent who specializes in high risk auto insurance to get an affordable rate. The companies they carry are more SR22 friendly and go easy on drivers with dings on their driving record.
Click here to get an Ohio SR22 Bond Quote
You’ve probably wondered what factors auto insurance companies use to calculate your insurance rate. There are basically nine major factors that auto insurance companies use. I will list each one of them and give an explanation as to how they affect your rate. I get asked all the time, “Why does my neighbor have higher coverage than I do yet still pays a lower auto insurance rate?” …… The answer to that question is one of two things: Either (A) it’s because of a combination of the nine factors listed below, or (B) your neighbor did a better job of shopping around for auto insurance than you did.
The thing you need to keep in mind is that no two auto insurance companies prioritize or weigh these factors exactly the same. Every company does their own thing when it comes to how they calculate auto insurance rates. Therefore, there is no way for me to prioritize this list. But you’ll still get a good understanding of what goes into calculating auto insurance rates. So let’s get started with these factors……
1. Age – Driving ages usually range from 16-85…. Drivers toward the outer parts of that range tend to pay more than people in the middle of that age range. That is, someone in their 40’s, 50’s or 60’s will pay less than teenagers or drivers in their late 70’s or 80’s. But again, each company sets those age ranges differently.
2. Location – While traffic crash and crime statistics do play a part, the size of the town you live in usually is the biggest indicator…. Generally, people who live in smaller towns pay less than people from big cities.
3. Residential Status – Homeowners pay less than renters do… Being a homeowner usually includes a big discount with most companies.
4. Marital Status – Married drivers pay less than single, separated or divorced drivers. You might think this is silly and perhaps unfair. But crash statistics don’t lie, and married people tend to be in fewer accidents than unmarried people. As far as people who are widowed, some companies classify them as still being married, while other companies classify them as being single.
5. Credit Rating – If we tried to prioritize this list by importance, credit rating would jump all over the place from one company to the next. Some auto insurance companies make credit score a huge factor, while others only figure credit score in as a tiny factor. Some companies check credit scores like a credit card company would. Other companies only do soft credit pulls…. The good news is that shopping around for auto insurance doesn’t affect your credit like shopping around for credit cards does… Some credit scores get dinged by having multiple credit card or loan inquiries…. Fortunately, that’s not the case with auto insurance. It doesn’t hurt your score at all to shop around for auto insurance.
6. Driving Record and Claims History – This tells what accidents, tickets and prior insurance claims you have. These are obtained by two major sources; your MVR (Motor vehicle report from the state BMV) and your CLUE score (your auto insurance history). Obviously, someone with a clean record will pay less than someone with dings on their driving record.
7. Having Prior Insurance – This also tends to be a big factor with most auto insurance companies. Having at least six months of active auto insurance coverage usually gets a big discount. Some companies will offer even bigger discounts for having active coverage farther back than six months. Some companies will also offer bigger discounts for having liability coverage that is higher than state minimum levels.
8. Gender – Men may joke about “women drivers = no survivors”, but the reality is that it is not true. Statistics show that women are the safer drivers, and thus pay a slightly lower rate than men.
9. Vehicle(s) insured – This is broken down in two parts:
Those are the nine major factors. Auto insurance companies prioritize them any way they want to. That’s why it’s important to shop around for auto insurance at least every two years.
Click here to get an auto insurance quote
Why getting an anonymous online auto insurance quote is a waste of time
We have all seen those commercials on TV about getting an anonymous online auto insurance quote. It sounds like a great idea. But in reality, it is really a complete waste of time!
Getting an auto insurance quote online anonymously has major flaws as far as how such a quote is calculated. This article will explain why this is a bad idea….
There are two major shortcomings to getting an anonymous online auto insurance quote:
1. The quote will be very inaccurate.
By filling out an anonymous auto insurance quote, you’re getting a wide range “guesstimate” at best. And of course, your quoted price will only show the lowest possible price in that guesstimate range….. Without entering personal information about your actual identity, there’s no way for an auto insurance quote to be accurate. This is primary because of two major factors:
A. Credit rating.
Whether it’s fair or not, 92% of all auto insurance companies use credit as a rating factor to calculate your auto insurance premium. The degree to how much weight credit rating matters varies greatly from one auto insurance company to the next…. With some auto insurance companies, your credit rating is a big deal, to where the company may decline offering coverage to a driver that doesn’t meet their credit standards…. But on the other hand, there are also auto insurance companies that don’t care much about your credit score, if at all. The majority of auto insurance companies fall somewhere in the middle of that spectrum, as far as how they weigh credit.
Bottom line: Credit matters! There’s no way an auto insurance quote can be accurate if the company doesn’t know someone’s identity.
B. CLUE score.
A CLUE report is your insurance history report. It tabulates your insurance history much like a FICO score tabulates your credit history (or a Motor Vehicle Report reflects your driving history). Like credit history, most auto insurance companies use CLUE reports as a factor to calculate your premium…. Without knowing your identity, an anonymous quote can’t factor this in. So once again, any anonymous quote will likely be inaccurate regarding the CLUE report.
2. The quote will be very inefficient.
There’s nothing wrong with getting a quote with one auto insurance company at a time. However, it is very inefficient as far as your time is concerned. And because time is a factor, you are also limiting your chances of getting an affordable rate…. You have much faster options as far as shopping around….
Where is the best place to look online for auto insurance?
As mentioned before, quoting with just one company at a time can be very time consuming. Your best bet is to look for independent agents online. That way, you only need to give your quote information once and an agent will do the shopping around for you. This allows you to get quotes from multiple auto insurance companies at a time.
Where not to look: Beware of Lead Generation Sites!
While looking online for an auto insurance agent/agency, you need to be aware of lead generation sites. Stay away from them! Lead generation sites mimic and look just like that of a real agency website. Only they’re not insurance agents at all! They simply collect your quote information and sell your info to other agents (sometimes dozens of agents). This will cause your phone to ring off the hook!
How to spot a lead generation site
Any legitimate agent or agency will have their name, address and phone number prominently displayed on their website. A lead generation site may look just like a real agent’s site, except that the agent appears to be anonymous. Having no name, address or phone number is a dead giveaway. So look out for that!
What good is getting an auto insurance quote if it is not accurate? An anonymous quote can be nowhere close to being accurate for reasons I’ve mentioned. Therefore, anonymous quotes are just a big waste of your time.
Get an online auto insurance quote
Finding insurance coverage on A Polaris RZR or any other ATV/UTV is very easy to find. However, if you decide to have this vehicle licensed for road use, your choices are much more limited. The bad news is that many insurance companies that cover ATV’s such as a Polaris RZR and will not offer coverage once the vehicle gets licensed for road use. The good news is that there are still many companies that will. You just have to dig a little deeper and look in the right places.
For those of you who live in the states of Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia, I will be able to help you to personally solve this problem right away. There are companies that will be happy to insure an ATV/UTV regardless of whether or not it’s street legal as long as it is primarily used for off-road activities, and only driven on the road occasionally. This includes both liability only coverage or liability with physical damage coverage (Comprehensive and Collision).
But before buying ATV insurance or getting a quote, there are four key things you need to be made aware of:
Click Here to get an ATV Quote
Why Hagerty Auto Insurance beats insuring a classic car vs. a regular auto insurance policy.
Ask any classic car owner and they will tell you that their car is their baby! And they like to treat their car as such, handling it with kid gloves. Why not treat your baby the same way with your auto insurance coverage? Unless you use your classic car as an everyday use car, it makes no sense to insure it under a regular auto insurance company. Hagerty Classic Car Insurance offers much better coverage, and usually for less money than a regular auto insurance policy.
The qualifications are fairly simple:
Types of Vehicles Accepted
Hagerty not only insures classic/antique cars, but also many other types of classic vehicles: trucks, motorcycles, boats, tractors, fire trucks and more.
Reasons why Hagerty auto insurance is much better than insuring your classic car on a regular auto insurance policy:
If your vehicle qualifies for classic car insurance, then insuring it with Hagerty Auto Insurance instead of a regular auto policy is a no-brainer! Like I mentioned above, coverage is better. Claims handling is better. And more often than not the price is comparable, if not lower.
Click Here to get an online classic car auto insurance quote
Where can I buy an out-of-state SR22 auto insurance filing?
Buying an auto insurance policy with an SR22 filing attached can sometimes be a real pain in itself! But if you live in one state and need an SR22 auto insurance filing in another state, it becomes even more difficult. While you can find plenty of information out there about in-state SR22 filings, there’s not much information available about out-of-state SR 22 filings. The most frustrating part is that only a small percentage of auto insurance companies will accommodate drivers who need out of state SR22 filings. If you don’t know exactly where to look for such a policy, it can be like finding a needle in a haystack.
Fortunately, it’s not a lost cause…. There are companies out there that can take care of your problem… If you currently live in Ohio, Michigan, Indiana, Pennsylvania, Virginia or West Virginia, I can help you personally regardless of which state you need the SR22 in…. If you do not currently live in one of those states, this article will at least arm you with what you need to know and steer you in the right direction. Things aren’t as complicated as they seem to be. It just takes three simple steps: 1. Setting your policy up in the right state 2. Choosing the right liability coverage level and 3. Knowing where to look…… Let’s get started!
1. Setting up your policy in the right state.
The state that you need to have the SR22 filing in doesn’t matter…. What matters is the state that you’re currently living in. You need to set up your policy in your state of residence. You need to find an agent in that state, not the state you need the SR22 in.
2. Choosing the right Liability coverage level.
This part is a little tricky, but not impossible…. Each state decides what their state minimum level of liability coverage is. SR22’s are based on a state’s minimum liability requirement. You need to look up what the state minimum liability requirement is in both the state you’re currently living in and the state you need the SR22 filing in…. Whichever requirement is higher for both bodily injury and property damage between the two states, that’s the level you need to carry on your policy. An agent can help you with that.
Here are the current state minimum requirements in the six states that I represent:
*The first two numbers represent bodily injury liability coverage (in 1000’s).
**The third number represents property damage liability (in 1000’s).
If you need to look up another state’s requirements, a simple google search will work, or your agent can look it up for you.
3. Where to look for an auto insurance policy with an out of state filing.
Your best bet is to find an independent agent online that specializes in SR22 auto insurance (aka high risk or non-standard insurance). They are best equipped to handle that “needle in a haystack” problem. The companies that they carry are some of the few who will help you. And they will more than likely carry enough companies to find you an affordable rate. Looking just about anywhere else probable is a lost cause. Less than half of auto insurance companies won’t handle in-state SR22’s, let alone out-of-state SR22’s, which narrows the choices down to a small slice of companies. An SR22 auto insurance agent is the most likely to be able to help you.
Shopping online for an agent is the best way as far as efficiency. Just make sure you’re quoting with an actual agent and not directly to a company (quoting one company at a time for your needs would take forever!). Also, make sure you are quoting online with an actual agent/agency vs. quoting with a generic auto insurance quoting site (a real agent/agency will have real names, addresses and phone numbers displayed on their site vs. the fake sites that are anonymous).
What if I need an out of state SR22 filing, but I don’t own a vehicle?
You simply need a Named Operator’s policy. Everything I’ve said here about regular auto insurance also applies to a named operator policy for those who don’t own a vehicle, but still need an SR22 to get their license back.
There’s no getting around it. Looking for an out-of-state SR22 filing can be a real pain! Follow the steps above and it will make your problems much easier to solve. For those of you who live in Ohio, Michigan, Indiana, Pennsylvania, Virginia or West Virginia, I would be more than happy to help you personally. Simply click one of the quote forms below.
Click here for an out-of-state SR22 Auto Insurance Quote if you own a vehicle.
Click here for an out-of-state SR22 Auto Insurance Quote if you Do Not own a vehicle.
Going online to buy Michigan snowmobile insurance is pretty easy to do. The problem is that snowmobile insurance is similar to snowflakes, in that no two policies are alike. Snowmobile insurance policies are not standardized the way other types of insurance (such as auto insurance) are. As a result, there are some very good Snowmobile Insurance policies and there are some lousy ones! This article will help you better understand the differences between a good and bad policy. You’ll also learn where to shop and where not to shop online for Snowmobile Insurance coverage. Looking in the right places makes it much easier for you to find the lowest rate for the coverage you need.
Here are the key things you need to know about buying Snowmobile Insurance online:
Exclusive standalone policies vs. policies attached to a homeowners policy.
While there are some exceptions, an exclusive standalone snowmobile Insurance policy is usually much better than snowmobile insurance that is attached to a homeowners policy. An exclusive snowmobile Insurance policy tends to have less restrictions, more coverage options, and higher coverage limits than what an attached snowmobile insurance policy does. So if you already have snowmobile coverage attached to your homeowners policy, you might want to look it over closely, and see how it compares to all that is mentioned below. You might be very surprised by the lack of coverage you have. What’s more aggravating is that there is usually little to no difference in premium between an exclusive and an attached policy.
Avoid policies that have unreasonable coverage restrictions.
This is where those lousy policies that I mentioned earlier come in…. While no personal snowmobile policy will cover you racing, renting your snowmobile to others, or using the snowmobile for business/commercial purposes, all other uses should be covered. But some lousy policies go beyond and place restrictions that are silly. Examples include not being covered off of your property, not covering your sled for recreational purposes (seriously?), or not covering your sled in another area outside of your zip code…. There are not many companies with terms that asinine, but there are a few…. So stay clear of those!
Avoid policies that don’t offer any type of medical coverage.
A good snowmobile insurance policy should offer both Medical coverage and Uninsured Motorist Bodily Injury coverage. But many snowmobile insurance policies offer neither. Sled accidents don’t happen often, but when they do, serious injuries often happen. I know Michigan residents get hammered with the medical coverage required for auto insurance. But the cost for medical coverage on a snowmobile is much more reasonable and affordable. The same goes for Uninsured Motorist Bodily Injury coverage too.
Optional coverages that a good snowmobile insurance policy should offer:
While not all of these add-ons will apply or be important to you, they are important to many sledders that don’t know such coverage exists. And for those who could use any of these above coverages, you'll be surprised to learn how little extra it costs.
Always inquire about higher levels of coverage.
Once you’ve zoomed in on a snowmobile insurance policy that you’re about ready to buy, be sure to inquire about higher levels of coverage beforehand. You will sometimes find some great low hanging fruit! Don’t make the mistake of getting into the auto insurance mind set when considering levels of coverage. Snowmobile insurance is priced much cheaper than auto insurance (as is any other type of off-road vehicle)… It never hurts to ask “How much more would it cost for the next higher level of ______?”. That blank can be one of several things, depending on which coverages are more important to you. But they include:
The above are the five basic coverages of a snowmobile insurance policy. I would almost bet that you will find at least one of those five components will only cost you peanuts to upgrade to the next better level.
* Quick note about medical payments/benefits coverage: While Michigan law requires auto insurance policies to have unlimited lifetime medical benefits coverage, that does not apply to snowmobile insurance policies. Medical coverage on snowmobile insurance is optional (if it’s offered at all). You get to choose your level of coverage, and it costs much less. Don’t be afraid to look into it.
Best place to shop online for snowmobile insurance coverage.
Your best bet is to find an independent agent that sells snowmobile insurance. That way, you can get prices from multiple companies at once. This way is more time efficient than having to quote one company at a time. The companies that an independent agent carries tend to be most of the better companies as far as coverage and price for snowmobiles.
As long as you’re making sure you’re following four steps, you can’t go wrong buying snowmobile insurance online:
1. Making sure you do not have a lousy policy.
2. Make sure you're being offered additional coverages that are important to you.
3. Shopping online at the right places (not shopping one company at a time).
4. Inquiring on higher levels of coverage before closing the buy.
Happy Sledding! Be safe!
Click here to get an Online Snowmobile Insurance Quote
A high percentage of drivers in the Portsmouth Ohio area are required to carry an SR22 filing attached onto their auto insurance policy. Getting an SR22 is usually the last step a driver needs to take before getting a suspended driver's license reinstated. Keeping an SR22 filing active is also what keeps a license active during the time that drivers are required to carry an SR22 filing. However, I’ve noticed that many drivers attach their SR22 to the wrong type of policy.
This article will help you understand what you need to know as far as setting up the right type of policy, how to look for the lowest rate, and also answer some frequently asked questions.
If it seems like the Portsmouth Ohio area and Scioto County in general has an unusually high rate of driver’s who need an SR22 filing, you may have a point.
Confusion about SR22’s
Before we begin with how to properly set up an SR22 filing, let me help clear up some confusion about SR22 filings. The terminology many people use causes confusion:
What does an SR22 filing do?
The best way to understand what an SR22 filing does is to think of it as a “Tattle-tale”. It lets the state BMV know that you have taken out some type of auto insurance liability coverage with at least state minimum limits of liability coverage. This is what triggers your license to be reinstated (assuming you have also met all other reinstatement requirements)….. However, if you ever cancel or lapse on a policy with an SR22 attached, the auto insurance company is required by law to “tattle” on you to the BMV. The BMV will then suspend your license again until you either reinstate your policy, or start another policy with an SR22 attached.
Setting up your SR22 filing the right way.
This is very important! I’ve seen a lot of people screw up on this step, and set up their policy the wrong way. However, setting up your policy the correct way is actually very easy to do just by keeping things simple:
That’s all there is to it! As long as you follow this, you know that you have set your policy up properly. Vehicle owners will still have to make important choices regarding the levels of coverage they carry on their regular auto insurance policy. But at least this important first step will have your policy structured the right way.
My neighbor has to carry an SR22 filing and he owns a vehicle…. He only carries a Financial Responsibility Bond for both his SR22 filing requirement and coverage for his vehicle, instead of having a regular auto insurance policy….. Is this ok to do?
As far as driving legally, yes, it is OK to do. But it is something that I would strongly discourage! A financial responsibility bond is very lousy coverage for a vehicle owner to carry. I know a lot of drivers that do it this way because it is significantly cheaper than having regular auto insurance. But there’s a valid reason why it’s cheaper. The coverage is inadequate for a vehicle owner:
Is it ok to have two separate policies, a regular auto insurance policy to insure my vehicle(s), and a Financial Responsibility Bond to satisfy my SR22 filing requirement?
Yes, this is fine to do. And it’s a good idea for a small percentage of people to do so…. But for the vast majority of you, it is usually less expensive to have everything on one regular auto insurance policy. However, it sometimes make good sense to have separate policies if you are a homeowner, have good to excellent credit, and have your auto insurance bundled with your homeowners policy.
How long do I need to carry an SR22 filing?
For most of you, the requirement period is usually three years. But it can be more or less, especially if it was a court ordered SR22 filing…. To know exactly when your SR22 requirement period expires, you can look that info up for free on the Ohio BMV website (pull up your “unofficial driver abstract”). It’s important that you keep that expiration date in mind. If you detach your SR22 filing too early, your license will be suspended… If you detach your SR22 filing too late, you could be paying extra for needless filing fees.
Where’s the best place to look for SR22 insurance?
This part can be a bit frustrating because many auto insurance companies won’t write SR22 filings…. Other auto insurance companies will write SR22 attachments, but charge a fortune for it…..
Your best bet is with an independent agent who specializes in high risk auto insurance. The companies that they carry tend to be the companies that are more SR22 friendly. One quote with an independent agent can get you quotes from several companies at once.
Click here to get an online SR22 Auto Insurance Quote if you own a vehicle.
Click here to get an online SR22 Financial Responsibility Bond quote if you do not own a vehicle.
Recent changes to the Ohio BMV's Auto Insurance Random Selection Letter Program
Nothing can be more frustrating than being stuck from getting auto insurance coverage because of a VIN number mismatch. While it doesn’t happen often, as an auto insurance agent, I’ve seen it happen enough. This article might be able to help you resolve those issues, depending on where the problem stems from. It only takes one digit being off to trigger a mismatch.
The good news is that going through the “5 Best things to do first suggestions” will solve most of the issues. Also, you’d be surprised to learn how much a Vin number can tell you about a certain vehicle. The bad news is that this won’t help everyone (this is especially true of vehicle models older than 1981, the year American Vin numbers were first standardized). But this will help the majority of you, and you’ll probably learn some interesting things along the way. You will learn the anatomy of a Vin number. But of course, we should begin with the list of “5 Best things to do first” suggestions, as they correct most of the problems.
5 Best things to do first suggestions:
1. Double check the Vin # on paper. The most accurate place to look is on the title itself. Or if your vehicle is financed, check the Vin number on your loan contract. If that isn’t handy, check your state vehicle registration papers.
2. Double check the Vin # on the vehicle itself. The two most common places to look on any vehicle are the corner of the driver’s side dash right under the windshield, and also a sticker placed inside the driver’s side door.
3.The letters “I”, “O” and “Q” are never on Vin numbers. This sounds simple enough, but the I,O and Q errors come up frequently. If you see the letter “I” as in Indiana, it’s probably the number “1”. The letter “O” is probably a zero.
*** Note: The only exception to this I-O-Q rule is with state assigned VIN#’s. For example, most state assigned VIN#’s in Michigan start with the letters “MI”. But this mostly applies to special types of vehicles (such as kit cars, assembled vehicles, and off-road vehicles). This won’t apply to 99.9% of you.
4. The 10th Digit is the most common error and very easy to double-check. The 10th digit corresponds to the year of the vehicle, which is very easy to look up. See table below… Does the letter or number match the correct year?
*** Note! Also make 100% sure that you have the vehicle’s year correct. I have seen several instances where the Vin # was in fact accurate, but the owner gave the incorrect year of the vehicle to their auto insurance agent. For example, an owner may think his/her vehicle is a 2015 model when in fact it’s a 2014 model. This will flag most VIN verification systems and come back as “10th digit mismatch”…… Check your title or loan contract and make sure that you have the model year correct.
5. Check for visual and verbal errors made when writing or speaking.
Just by checking closely on these 5 things above, the vast majority of errors will be figured out. If you still haven’t solved the problem, don’t give up. Your vehicle’s manufacturer can help you with other digits to help pinpoint the problem digit. It’s just takes a bit of research, most of which can be easily searched online…. Learning the anatomy of a Vin number might help you in that regard…..
Anatomy of a VIN number
There is no sure-fire way to solve all VIN# mismatch problems, because there’s no way of knowing where the error derives….. But this article will go a long way in helping you figure it out. I hope I have helped you… or at least, you learned something interesting.
Click here to get an Auto Insurance Quote
Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..