Your Guide to Cracking the Code on Insurance

Before you decide to purchase that new (or new to you) car, you have to think about insurance. If you’re a new driver or have never considered the “ins and outs” of an auto insurance policy, this article will detail some important things to keep in mind. Just like when purchasing a car, there are multiple variables involved in purchasing insurance, including the age and experience of the driver(s), model and year of the car, geographic location where the car is stored, and more.

You may wonder why you need to get a few different quotes from insurance companies when the information you provide to each is exactly the same. All of these companies have large actuarial departments charged with calculating risk—and no two departments are alike. That means that even though you are presenting the same information to multiple carriers, they will still offer different insurance products that carry higher or lower rates and premiums.

With all of the media advertising for car insurance these days, it’s pretty simple to pick up the phone and get started calling around to see what various companies have to offer. But first, you should do your homework to better understand your unique situation, or talk to a knowledgeable independent agent, who can help solicit competitive quotes based on your particular needs and preferences. Here are a few things to consider as part of this process:

  • What are the insurance requirements for your state?
  • Who else will be driving your car?
  • What can you afford to pay for monthly premiums?
  • Should you purchase any type of supplemental insurance in addition to liability, such as:
    • GAP to cover loan costs in the event your car is totaled
    • Collision coverage for damage to your vehicle
    • Comprehensive coverage for costs unrelated to an accident
    • Uninsured driver coverage
    • Rental reimbursement coverage
    • Roadside assistance coverage
  • How much is “too much” insurance for the particular car you are driving?
  • What is a reasonable deductible?

If you’re starting to feel overwhelmed by the sheer number of insurance options available, you’re going in the right direction! The more you talk to people and research these factors online, the more prepared you will be to get the best possible insurance deal.

Be sure to research any possible discounts that may apply to you also. For example, if you are classified as a “good driver,” with no claims, accidents or moving-violation tickets in recent years, you may qualify for lower rates. The same goes for young drivers with good academic records and owners of cars with advanced safety equipment. Discounts also can be had for customers who purchase another type of coverage—such as homeowner’s or rental policies—along with their automobile policy.

One Final Caveat
Keep in mind that there is more to choosing an insurance policy that low rates and premiums. You want to deal with a reputable company that has been in business for a long time and is known for offering dependable, fast, and high-quality service. Checking each company’s online customer ratings and asking friends and families about their policies and coverages are great ways to get started.

Important Disclosures and Requirements

Federal ESIGN Disclosure and Consent 

 Electronic Consent:  Consent to Receive Information Electronically 

The Electronic Signatures in Global and National Commerce Act requires users of this Site who submit a Contact Form (“you” or “your”) consent to receive certain disclosures electronically. Please read this disclosure and consent carefully and retain a copy of this document for your records. 


Some communications with and disclosures by Yield Solutions Group, LLC dba (“” or “us” or “we”) on its behalf and on behalf of participating banks, finance companies, and credit unions (hereinafter called “Lenders”) are conducted electronically. In order to access, receive and retain required notices and your documents, including, any notices and disclosures required by state or federal law, such as our Privacy Noticeloan documents and disclosures that we provide to you on behalf of any Lenderand any other transaction notices and information from us (collectively, “Documents”) electronically, you must satisfy the minimum system requirements outlined below. However, if you wish to obtain a paper copy of any Documents that RefiJet provides you in connection with your credit inquiry and any subsequent application to our Lenders, you may contact Yield Solutions Group, LLC (dba in writing at 5775 DTC Blvd Suite 400, Greenwood Village, CO 80111 or by email at We currently do not charge a fee to send you a paper copy of any electronic Document, but reserve our ability to do so. Be sure to state which of the Documents you are requesting. reserves the right, in its sole discretion, to stop providing Documents electronically. RefiJet may also send Documents to you in paper form because we are legally required to do so or because we determine in our sole discretion that you should receive the Documents in paper rather than electronic form. will provide you with notice of any such termination as required by applicable law. If chooses to stop providing Documents electronically, will send any future Documents to you in paper form. Certain disclosures, however, will be made to you verbally if permitted by applicable law (the “Verbal Disclosures”).   


You must consent to receive Documents electronically in order to complete the credit inquiry process with and any subsequent loan process with one of our participating Lenders. Your consent will apply to Documents as defined above. You may withdraw your consent for receiving electronic Documents by notifying us in any of the ways described above. Since is structured to process all or part of your credit inquiry and any subsequent loan  electronically, not consenting, or withdrawing your consent to receive electronic Documents may result in the termination of the credit inquiry and/or loan process. Your withdrawal of this consent is effective only after we have had a reasonable period of time to act upon your withdrawal. Even if you consent, note that the Verbal Disclosures will be made to you telephonically. 

If you wish to withdraw your consent to do business electronically with our participating Lenders, you may do so at no cost to you by contacting the Lender at the mailing address, email address or telephone number they provide to you separately for such purpose.  


In order to use this service, you must consent to receive Documents electronically and you agree that these electronic disclosures will be sufficient as a “writing” under applicable law.  


In order to receive, access and retain electronic Documents, you will need the following hardware and software: 

  • a computer, mobile device, tablet or similar device with an internet connection; 
  • a current web browser that supports HTTPS connectivity;  
  • a current version of a software program that can open and display PDF files (such as an Adobe Acrobat reader); 
  • a valid email address with email software to communicate with us electronically; and 
  • an installed printer or sufficient storage space to save, store, print or otherwise retain electronic Documents. 

 These disclosures and the Documents are both provided to you in PDF; therefore, your access to this page from your own system/device verifies that your system/device has the necessary software to permit you to receive and access PDF files. 

If the system requirements for accessing the copy of your Documents on the secure webpage change so as to require different or additional hardware or software, or upgrades, plug-ins or enhancements to the hardware or software used by you (all such changes referred to as a “Systems Enhancement”), we will notify you and you may either withdraw your consent or upgrade your hardware and/or software as required by the Systems Enhancement.  

This consent is valid until revoked by either party. 

It is important that you keep your email address current with us.  Please notify us at 1.800.260.5355 if your contact information changes at any point in the refinance process.  We may treat your failure to provide us with a valid email address, or the malfunction of the email address we have for you, as a withdrawal of your consent to receive Documents electronically. 

System Requirements to Retain Information 

If you have a valid email address, a copy of the loan Documents will be provided to you upon execution in the form of an email link to a secure portal that will contaithe PDF loan documentsYou will log into the secure portal using your access credentials. The PDF document will be available to you in the secure portal for thirty (30) days. To retain a copy of the Documents, you may choose to print them, save them or both. In order to print them, you must have a functioning printer connected to your personal computing device.  If you wish to retain an electronic version of the Documents, you must have a personal computing device with the hardware and software necessary to download and store PDF files. 

By clicking to accept, you: 

  • acknowledge your receipt and review of the foregoing Federal ESIGN Disclosure and Consent; 
  • give your affirmative consent to our providing electronic Documents to you as described above; and 
  • confirm that your computer or access device satisfies the hardware and software requirements needed to access and retain the Documents that will be provided to you in electronic form, including through use of a valid email address to access a link to secure portal to access the Documents. 

If you do not click to accept you are not consenting to our providing electronic Documents to you as described above, and you are terminating your transaction with us