Classic Drivers Insurance Agency, LLC

Classic Driver Insurance Agency provides personalized insurance protection for collector vehicles, boats, and motorcycles, related memorabilia, as well as car clubs, events, museums, and commercial restoration shops.

How can we help you?

At Classic Driver Insurance Agency, we provide our clients excellent customer service and competitive rates. Choose a button below and we'll get you there!
Protection products
reasons to choose us!
value of broker / broker request
Do i need collector insurance?
About our team
QUOTE REQUEST FORM
SeRVICE request
CLICK HERE FOR agency contact information, business hours, & Appointment information
click here for recommended 2025 charity car shows!
Our Team: Tom Grothouse Michelle Grothouse
Insurance Experts Since 1988! Claims Underwriting Agency Ownership Collector Car Owners Expert Track Drivers
Optimized protection in harmony with your other insurance policies.
License States: Texas, California, Montana, Louisiana, New Jersey, Florida and more states as requested..
Proudly Offering Hagerty Collector Car Insurance & More
Blog - posts about agency news & insurance topics
TYPES OF PROTECTION WE OFFER
COLLECTOR VEHICLES, CYCLES, & BOATS
COLLECTOR MEMORABILIA*, CAR MUSEUMS * requires a collector auto policy
CAR CLUBS, EVENTS, & RESTORATION SHOPS
HIGH VALUE COLLECTIONS * specialized product and rating plan
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OUR ADDED VALUE PROPOSITION: What value we offer for FREE over an 800 number or a typical auto insurance agent?
We are not front-line underwriters following a script looking for uprates and red flags. We are serious collector car owners that understand your needs and the collector vehicle culture. We are here to listen and help you to be properly covered.
Our niche is collector insurance but we offer personalized protection reviews to assure your collector insurance aligns with your other household insurance. Our team has decades of experience with auto and property insurance with recognition including Agency of the Year, Top Producer, and more.
We can provide person-to-person assistance with valuation, coverage selections, discounts, policy changes, filing claims, plus payment reminders. No AI, no chatbots, no offshore idiots with fake names. We use phones, email, video, and in-person meetings to intereact with customers.
There is no additional cost for our services to provide personal service, optimized protection, and to be your advocate with the insurance carrier. We often save customers money with discounts, coverage and rating adjustments.
We are experts and collectors just like you!We are experts when it comes to protecting collector vehicles, boats, and motorcycles, related collector memorabilia, as well as car club and commercial shop policies. We are collectors. Four of our collector cars are on this website. We are in clubs, go on cruises, participate in car shows, and we like to go on the track for high-performance driver education events.
We focus on collector insurance because that is a passion we share with our customers. We are licensed and highly experienced with auto and property products, having owned a multi-millon dollar insurance agency with over a 30-year history. We retired from that world in 2021 but were called back to the collector car insurance niche market by our clients and our passion for collector cars, the culture, and the people. We are not going to bombard you with calls, emails, mail, trying to market auto and property insurance, etc. We offer household policy reviews to help assure fellow collectors are properly protected. Some agents do not offer collector car insurance. Perhaps they do not have a product to offer. Maybe they are not comfortable writing it due to lack of expertise or don't think it's worth their time. It's possible some agents don't understand how special coverage can benefit their customers in terms of lower rates or better coverage. It's possible some agents prefer to have fewer policies to service and/or sadly are focused on maximizing their income by keeping collector autos on a higher cost regular auto insurance policy. We may be focused on collector insurance, but we also offer courtesy reviews of other policies (auto, home, etc.) to look ways to optimize your household protection. We have decades of experience with auto and property insurance. We may be able to identify possible adjustments to your coverage, deductibles, coverage gaps, and more for you to discuss with your agent or carrier. Scroll to the bottom for information about our Team Members.
Our interests go beyond insurance. We care about the people, the culture, the hobby, & more... We want to help you enjoy your collector vehicle and associated memorabilia as well as your club activities. We want to help you enjoy the entire collector vehicle culture and to nurture the hobby among the young while preserving history by keeping classic works on display and in motion. We will be out there with you, polishing and repairing, cruising and showing, and enjoying great friendships.
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Do I Need Collector Insurance?
True Story: A raffle winner was awarded a imited edition 2008 Shelby Mustang signed by Carroll Shelby. Only 39 were built. Shely modified the vehicle and suspension and added vintage race-inspired markings. Market value was at least $50,000. The winner insured it on a regular auto policy and was crushed when he totaled it in a single-car accident and after a long battle he was only paid the actual cash value of a Mustang. Making matters worse, the owner also had to pay the insurance company to retain the vehicle with a salvage title. He spent $40,000 to restore it to pristine condition but when he sold the vehicle he was only able to get $25,000 due to the salvage title. If the owner had the proper collector car insurance, odds are that very rare Shelby Mustang would have been fully repaired with a clean title. Other True Stories. * A person's ollector car cinsurance carrier required his collector car be parked in his garage. He came home from a car show and someone had parked in his driveway so he parked on the street and went inside to have dinner. After dinner, he went outside and found his collector car had been stolen. His claim was denied because the collector car was not in the garage when it was stolen. * A person took his collector car on a coast-to-coast collector car cruise event. A subsequent accident claim was denied because the odometer indicated the annual mileage maximum was exceeded. * A person added an Agreed Value endorsement to his regular car insurance company but was paid less than Agreed Value because the fine print said settement would be up to the Agreed Value or the Actual Cash Value, whichever is less. * A collector's house burned down. They were not paid full value for collector memorabilia due to their deductible and fine print policy limits on specific types of property. Classic Drivers Insurance Agency can help determine the value of your collector vehicle, offer quality collector car insurance, provide counsel regarding storage and usage, and advocate for you in the event of a loss.
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DO I NEED A BROKER?
The Value of a Broker
Collector car owners are so passionate about their cars and their hobby, they often assume the cordial 800# underwriter is their friend or counselor. The reality is the front-line underwriters are trained to collect information, identify red flags, and do an initial risk assessment with final assessment often done by a machine or senior underwriter behind the scenes. Because you have enthusiastic curiousity and ask the friendly front-line underwriter about storage, usage, hypotheticals, claim filing options, and so forth, you may end up with a policy audit, uprate, decline of coverage, or nonrenewal. If we are your broker, you can discuss these important matters with us, not the 800# front-line underwriter. We will listen, give honest answers, and provide counsel. We are collectors like you, and we understand where you are coming from. If you would like to start a new policy or make changes to your policy, we will discuss your options and submit an application or policy change on your behalf. We will look for discounts, coverage options you might value, and more. If you think you have incurred a loss, we will discuss your coverage and claim filing options and be your advocate when turning in a loss report. The additional cost for our services is $0 and you can remove us at any time but we hope you will come to agree the value we can deliver is priceless. We would be honored to become your Broker of Record. The process to select us to be your broker is simple! All you do is tell the carrier by phone to appoint us as your Broker of Record or send an email to the carrier. We recommend email.
BROKER REQUEST PROCESS: The email address, subject, and suggested body text are below in BLUE. For Hagerty: Email Address: photo@hagerty.com CC: classicdrivers@outlook.com Subject: Broker of Record Request Body: Please assign Classic Drivers Insurance Agency as my Broker of Record. My name is (Insert Your First & Last Name). My policy # is (Insert Your Policy Number). Thank You! We recommend you copy us on your email to assure timely completion: classicdrivers@outlook.com After we are added as your broker, our Team can provide you with personalized service or you can still choose to obtain service directly with the carrier. Unless your service need is very simple, such as paying your bill or printing an ID card, we suggest you choose personalized service from our Team! If you want to discuss the benefits of having a broker, complete the form below, click the gold button, and we will call you.
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About Our Agency

Classic Drivers Insurance Agency is owned by us, Tom & Michelle Grothouse. Tom has been in the insurance field since 1988 and has broad expertise having been a claim adjuster, field underwriter, and state level underwriting manager and claim analyst in his 23-year Allstate career. Upon leaving the Allstate corporate world in 2010, Tom joined his wife, Allstate exclusive agent Michelle, at her Classic Family Agency. We grew CFA to over 5M in premium with many Allstate awards earned on a national level for growth and customer satisfaction. Along with insuring thousands of Allstate customers, we insured many millions of dollars of collector vehicles with Hagerty and American Modern for hundreds of customers. We were recognized by Hagerty as their Allstate partner Agency of the Year and as Top Producer 3 out of 4 years. We sold CFA in 2021. After 2 years of restless retirement, at the request of many former CFA customers, and because we still have gas in the tank and passion for the hobby, we decided to get back in the driver's seat as Classic Drivers Insurance Agency. We have 7 collector cars and 2 trailers, lots of memorabilia, and many friends out there in the collector car world. We enjoy participating in charity collector car shows, road & track events, and restoring and driving our collector vehicles. Our goal is provide old-fashioned personalized service while leveraging the technology of the modern age for efficiency. We are available during business hours via phone, website, email, and by appointment on-line. We have found these methods work well for collector car insurance processes. If you have an after-hours emergency, you can call us or contact the carrier directly. We do not have an official brick and mortar location although a car barn with office and memorabilia is in the works. In the meantime, for face-to-face meetings, perhaps we can meet at your car haven or one of ours, or at an agreed-upon loctation if we happen to be in close proimity, or via video call.
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Classic Drivers Delivers

Comprehensive Coverage
Customized Policies
Professional Service
Competitive Price

Quote & Service Request Options

Regular business hours are from 9am to 5pm Monday - Friday. If our Team is not able to answer your call immediately, you may leave a voice mail or send an email, and we will respond as soon as possible. You may also submit a Quote & Service Request Form for non-urgent matters including quotes, policy changes, losses not involving an inury or liability, proof of insurance, and payment or billing questions Click on Select Topic in the QSR Form to the right to see available Options. Response aspiration to voice mail, email, and Forms is 1 business day or less. If you have an urgent situation after hours, call our emergency cell phone 817-723-4811 or you can call the insurance carrier directly. If you have a loss involving injury or liability, call us immediately. Do not use the QSR. Important Notes: Policy Changes: Policy changes are not effective until accepted by the insurance carrier. We may contact you for additional information to assure accuracy. Losses (no injury or liability): We recommend talking to us before you contact a carrier directly. We can discuss the loss, filing options, and possibly file on your behalf. Proof of Insuance (ID Card): You can request an ID directly on line or by callihg the carrier or we can assist. Payments & Billing: You can pay directly on-line or by calling the carrier or we can assist. Never use the QSR to send confidential bank or credit card information.
Quote & Service Request Form

Contact Information, Business Hours, & Appointments

Contact
Appointments Most interactions are by phone or email which do not require an appointment. We can also arrange for a phone meeting and depending on proximity to our Team, in-person meetings may be possible. Please call for an appointment.

Classic Drivers Insurance Agency Charity Car Shows

Classic Drivers Insurance Agency, LLC supports several local car shows that we know from years of experience to be very well run, to have consistently large turnout of quality collector vehicles, and whose proceeds we verify go to well-known charities. We will generally enter one or more of our collector vehicles in the show and put up our Hagerty vendor booth as a meeting spot for us to express appreciation to our loyal customers, to offer quotes and counsel to prospective customers, and to offer our services and expertise to existing Hagerty customers that do not have a personal relationship with a trusted broker.

August 9-10

YELLOW ROSE ALL-FORD CAR SHOW
After a 1-year break, the Yellow Rose All-Ford Powered Car Show by the North Texas Mustang Club is back and will be indoors at Dallas Market Hall. Proceeds from this show benefit a worthy charity, perhaps Holy Angels. This is an indoor show with 100+ high-quality Fords. See website for details: https://ntmc.org/

November 9

SSG ALEX VIOLA MEMORIAL CAR SHOW
As usual, this moving memorial car show for fallen Green Beret Alex Viola will be at Keller Town Center on or around Veterans' Day. Proceeds from this charity show will benefit Fallen Soldiers. Enjoy 300-400 collector cars, an air show, and Green Beret judging. See website for details: https://www.ssgalexviola.org/

April 12

CONNOR'S CAR SHOW
This car show is named for Connor and features 300-400 high-quality collector vehicles. It will be held in the same location as always, Keller Town Center. Proceeds from this large show will benefit children young and older with special needs, such as Connor and our son, Austin, both of whom inspire us in countless ways! See website for details: https://www.connorscarshow.com/

May 31

SHELBY CAR SHOW
This is a fantastic annual show in Plano of 200+ Shelby Mustangs, Cobras, GT40s, and more hosted by the Shelby Cobra Association of Texas. Each year proceeds go to a worthy charity. See website for details: https://scatracks.org/

September 20

WHEELS FOR WELLNESS
Join us again in downtown Fort Worth for a large annual car show featuring all makes and models. This show is very special as free prostate cancer PSA Tests are offered. This show saved the life of a very dear friend. See website for details: https://wheelsforwellness.org/benefit-car-show

September - TBD

SAM PACK SPRING NATIONALS
Bring your collector car to Carrollton for this annual charity car show and get free entry to Sam Pack's private museum of incredible classic cars. Hosted by North Texas Mustang and Sam Pack, with proceeds to benefit Holy Angels, a home for persons with special needs. See website for details: https://www.facebook.com/p/Sam-Pack-Auto-Group-Spring-Nationals-100054251390453/
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Photo Gallery

Classic Drivers Insurance Agency Booth where we greet existing customers and meet new customers and customers interested in having us become their agency.
SSG Viola Memorial Car Show - Patriotic Cyber Truck. This annual show is in Keller around Veteran's Day.
VIntage GT500s at a Shelby Cobra Association of Texas Event. This is a great club for Shelby lovers, ownership of a Shelby is optional!
Wheels for Wellness - Ft. Worth Free prostate screening tests are offered. This show saved the life of a dear friend. Get tested!
Sam Pack Spring Nationals - Carrollton The Fiero Club always shows up in big numbers with enthusiasm!
Sam Pack Spring National Car Show
Sam Pack Spring National Car Show The Corvair Club was guest of the North Texas Mustang Club, host of the show.
Wheels for Wellness - Fort Worth High-End vehicles on the brick streets of Cowtown.
We Start 'Em Young! This is grandaughter Grace's first Shelby! Too bad it is an automatic... We have lots of other cars with sticks (aka Gen Z anti-theft device).
Austin's Hot Rod Kart Our #1 car fan loves driving his indestructible cart on the family land. He has only driven a car once - a '66 Mustang - into our garage wall. Now he can hit whatever he wants...
Shelby Car Show - Plano Austin loves GT40s and Daytona Coupes and is a great Shelby Co-Pilot!
Wheels for Wellness - Ft. Worth A very nice Camaro!
I2007 Shelby GTH A joyful family night at the Granbury Christmas Parade.
1965 Shelby Daytona Coupe Austin & Tom plan to build their own someday!
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