If it's the later kind of phone, usually in a little carrier slotted in the left hand side of the handset about 2/3rds the way towards the cord. You'll need good fingernails (but probably won't have afterwards) :-)
Doesn't it need the whole card with the sim still in it. It slots in the bottom. Plus I think it only works with certain sims. I have one and was shown when I bought the car but thats been it