One of the easiest ways I've been able to tell is by feeling for very small but hard tips on the tags. It's like the wart comes to a slight point, and at that point it should be firmer. If you can't squeeze out a hair or anything of the sort, then it could be a wart. Which isn't a big deal! Try not to worry about it...
I have never tried the vinegar test, but when I first noticed my HPV infection I thought they were skin tags. I went to a doctor immediately and learned that these growths were the result of HPV and not skin tags like I presumed. Your best bet is to get to a doctor ASAP and until you know what they are, don't worry.