The plain-English Terms of Use

1. Accepting these Terms

These Terms of Use ("Terms") are an agreement between you and Holley Insurance Agency LLC ("Holley Insurance Agency," "we," "us," or "our"). They cover your use of holleyagency.com (the "Site"), including our quote form.

By using the Site or submitting a quote request, you agree to these Terms and to our Privacy Policy. These Terms include an agreement to resolve disputes by individual arbitration and a class action waiver in Section 12, which you can opt out of within 30 days. If you do not agree, please do not use the Site.

You must be at least 18 years old to use the Site or request a quote.

2. About our agency

Your policy may be issued by Allstate Insurance Company, its affiliates, or the insurer that issues the specific policy you ask about (for example, life insurance and National Flood Insurance Program flood policies may be issued by other companies).

We are a licensed insurance agency in the State of Texas, located at 1801 Trimmier Rd, Suite A1, Killeen, TX 76541. We are licensed in Texas only, so we cannot quote, sell, or service insurance in other states.

Information on this Site is general. Nothing on this Site is a binder of coverage. Using the Site, submitting a form, or sending us an email, text, or voicemail does not start, change, renew, or cancel any insurance. You have coverage only when an insurer issues a policy, and only on the terms and dates that policy states. Please do not cancel your current insurance until your new policy is confirmed in writing.

3. Quotes and estimates

Any quote or price we give you is an estimate only. It is based on the information you provide and is not an offer to insure or a contract.

The rate estimator on our homepage is illustrative. It uses general assumptions to show roughly how pricing works. It is not a quote and does not reflect Allstate's actual rating.

Your final premium is set by the underwriting of Allstate or the other insurer that issues your policy. The insurer may check driving records, claims history, property details, and other factors allowed by Texas law, and any of these can change your price or your eligibility. Discounts are subject to eligibility and availability.

4. Information on this Site

The articles, coverage descriptions, and other content on this Site are general educational information. They are not legal, tax, or financial advice, and they may not fit your situation. Coverage descriptions are simplified. If anything on this Site differs from the language of your policy, the policy language controls. For advice about your situation, talk with us directly.

5. Information you give us

You agree that the information you submit is accurate, current, and complete, and that you will tell us if it changes. Insurance pricing and coverage depend on it.

Leaving out or misstating information can change your price, lead to a policy being canceled, or cause a claim to be denied. Knowingly giving false information to obtain insurance may also be insurance fraud under Texas law.

Only submit information about yourself, or about other people (such as other drivers in your household) when you have their permission to do so.

6. Consent to calls and texts

When you submit our quote form and agree to its consent statement, you give Holley Insurance Agency your prior express written consent to call and text you at the number you provided "about my insurance quote and related insurance products and services." These calls and texts may use automated technology and an artificial or prerecorded voice, even if your number is on a federal or state Do Not Call list. Your consent is given to our agency only.

• Consent is not a condition of purchase. You can get a quote without it by calling us at (254) 669-6522.
• You can revoke consent any reasonable way — reply STOP, CANCEL, END, QUIT, UNSUBSCRIBE, REVOKE, OPT OUT, or any similar words to any text, tell us on a call, email us, or call our office. We honor requests within 10 business days.
• Reply HELP to any text for help. Message frequency varies. Message and data rates may apply.
• If your phone number changes or you give up the number you gave us, please let us know so we do not contact the wrong person.

Our Privacy Policy explains how we handle your phone number and your consent.

7. Electronic records and signatures

What this covers. This consent covers records related to this Site and your quote request: the disclosures on this Site, your consent to be contacted, and quote-related notices we send you. Policy documents from an insurer are covered by that insurer's own electronic delivery consent, if you give one.

Under the federal Electronic Signatures in Global and National Commerce Act ("E-SIGN Act") and the Texas Uniform Electronic Transactions Act, you agree that:

• Clicking a submit button, checking a box, or typing your name on this Site is your electronic signature and has the same effect as signing by hand.
• We may give you disclosures, notices, and other records electronically, such as by email, text, or on this Site, and those electronic records count as "in writing."

Paper copies. You have the right to a paper copy of any record we provide electronically. Just ask us by phone, email, or mail, and we will send it at no charge. Asking for paper does not withdraw your consent.

Withdrawing consent. You may withdraw your consent to electronic records at any time by emailing justinholley@allstate.com, calling us at (254) 669-6522, or writing to our office, and from then on we will send you paper copies by mail instead. There is no fee to withdraw. Withdrawal takes effect once we have had a reasonable time to process it, and it does not affect records already provided.

Keeping your email current. Please update your email address with us whenever it changes by emailing or calling us, so our records reach you.

What you need. A device with internet access, a current web browser, an active email account, and the ability to open PDF files and to save or print the records you want to keep.

8. Acceptable use

Please use the Site only to learn about insurance and to request quotes for yourself or your household or business. You agree not to:

• Submit false, fake, or automated requests, or someone else's information without their permission
• Scrape, copy, or harvest data from the Site using bots or other automated tools
• Try to break into, overload, or interfere with the Site or the systems behind it
• Use the Site for anything illegal or harmful

If you intentionally misuse the Site — for example, by submitting fraudulent requests or attacking our systems — you are responsible for the direct losses your intentional misuse causes us, to the extent allowed by law. This does not make you responsible for our attorney's fees.

9. Our content and trademarks

The Site's text, design, graphics, and code belong to Holley Insurance Agency or the companies that license them to us. You may view and print pages for your own personal use. Please do not copy or republish our content for commercial use without our written permission.

Allstate and other names and logos shown on the Site, including insurer and vehicle logos in our quote form, belong to their owners.

10. Third-party services and links

The Site uses and links to services we do not control, such as Google Maps and Allstate's website. We are not responsible for their content, availability, or practices, and their own terms and privacy policies apply. A link is not an endorsement.

11. Disclaimers and limits of liability

The Site is provided "as is"

We work to keep the Site accurate and available, but it is provided "as is" and "as available," without warranties of any kind, to the fullest extent permitted by law. We do not promise that the Site will always be available, error-free, or up to date.

Limit of liability

To the fullest extent permitted by law, Holley Insurance Agency and its owner and employees are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site, and our total liability for any claim arising from the Site or these Terms is limited to one hundred dollars ($100).

This limit does not apply to statutory damages, attorney's fees, or claims under the Telephone Consumer Protection Act (TCPA), Texas Business and Commerce Code chapter 305, or the Texas Deceptive Trade Practices–Consumer Protection Act (DTPA), or to any other liability that the law does not allow us to limit.

12. Arbitration and class action waiver

Step 1: Try to resolve it informally (30 days)

Most problems can be solved with a conversation. Before starting arbitration, the person with the complaint must send the other a written notice describing the problem and what they want. Send yours to Holley Insurance Agency, 1801 Trimmier Rd, Suite A1, Killeen, TX 76541, or email justinholley@allstate.com. Please include your name and contact information.

Both sides then have 30 days to try to work it out. During those 30 days, all statutes of limitations and filing fee deadlines are tolled (paused), so you lose nothing by trying.

Step 2: Binding individual arbitration

If we cannot resolve the dispute, you and Holley Insurance Agency agree that any dispute arising out of or relating to the Site, these Terms, or any call, text message, email, or other communication from us, including claims under the Telephone Consumer Protection Act, Texas Business and Commerce Code chapters 301, 302, 304, and 305, and the Texas Deceptive Trade Practices Act, will be resolved by binding individual arbitration, not in court, except as described below.

• The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, available at adr.org, before a single neutral arbitrator.
• We pay the costs. For consumer claims, we will pay all AAA filing, administrative, and arbitrator fees. You pay your own attorney's fees unless the arbitrator or the law awards them to you.
• The hearing may take place in Bell County, Texas, or the county where you live, or by phone, by video, or on written submissions, whichever you prefer.
• The arbitrator may award the same individual relief a court could award, and the decision is final and binding.
• If the AAA will not administer the arbitration, the claim may proceed in court under Section 13.

Mass Arbitration

Mass Arbitration. If 25 or more similar claims are filed against us by or with the help of the same or coordinated counsel, those claims will be administered in batches of up to 25 claims each. Each claim in a batch is still decided individually on its own merits, and a ruling on one claim has no effect on any other claim, in the same batch or any other. Each batch will be assigned to one arbitrator, and AAA fees will be charged per batch, as if each batch were a single case. We will still pay those fees as described above. The AAA's supplementary rules for multiple case filings apply where they do not conflict with this paragraph. While a claim is waiting for its batch, the statute of limitations for that claim is tolled. If this paragraph is found unenforceable for any claim, that claim proceeds in individual arbitration under the rest of this section.

Class action and jury trial waiver

You and we each agree to bring claims only on an individual basis, not as a plaintiff or class member in any class, collective, or representative proceeding. The arbitrator may not consolidate more than one person's claims or decide them together in a single ruling. You and we both waive the right to a jury trial.

What is not covered

• Small claims court. Either side may bring an individual claim in small claims court instead — the Bell County Justice Court or the justice court for the county where you live — as long as it stays there on an individual basis.
• Regulators. Nothing in these Terms prevents you from filing a complaint with, or reporting a concern to, the Texas Department of Insurance (1-800-252-3439, tdi.texas.gov), the Federal Communications Commission (FCC), the Federal Trade Commission (FTC), or the Texas Attorney General.
• Your insurance policy. Disputes about coverage, claims, or the terms of an insurance policy are governed by that policy and Texas insurance law, not by this section.
• Public injunctive relief and any other claim the law says cannot be arbitrated.

Your right to opt out

If part of this section is unenforceable

If the class action waiver is found unenforceable for a particular claim, that claim will not be arbitrated and will go to court under Section 13, after any individual arbitration is finished. If any other part of this section is found unenforceable, the rest still applies. This section survives after you stop using the Site.

Changes to this section

Any change to this arbitration section applies only to claims that arise after the change is posted on this Site, and only after at least 30 days' notice. A change never applies to a claim that already exists, whether or not we know about it.

13. Governing law and venue

These Terms are governed by the laws of the State of Texas, without regard to its conflict of law rules. The arbitration section is governed by the Federal Arbitration Act.

For any matter that is not arbitrated, you and we agree to the exclusive jurisdiction and venue of the state courts located in Bell County, Texas, and the federal court for the district and division that includes Bell County, Texas.

14. General terms and contact

• Entire agreement. These Terms and our Privacy Policy are the entire agreement between you and us about the Site. Your insurance policy, if you have one, is a separate contract.
• Severability. If any part of these Terms is found unenforceable, that part will be limited as little as necessary and the rest stays in effect.
• No waiver. If we do not enforce part of these Terms, that does not mean we give up the right to enforce it later.
• Assignment. You may not transfer your rights under these Terms. We may transfer ours if our agency is sold or merged.
• Changes. We may update these Terms from time to time. We will change the date at the top of this page, and changes apply from the date they are posted. If you keep using the Site after a change, you accept the updated Terms. Changes to the arbitration section apply only to claims that arise after the change is posted, with at least 30 days' notice, and never to a claim that already exists.

Questions about these Terms? Contact us Monday through Friday, 8 AM to 5 PM:

To file a complaint about an insurance matter, you may contact the Texas Department of Insurance at 1-800-252-3439 or tdi.texas.gov.