[jhv48]

This happens every day in the insurance industry. Genuine 1965 cars are rated much cheaper than 2012 vehicles. Why? Who knows?

The fact that your car is registered as a 1965 vehicle in your State has no meaning to a national insurance company since, in reality, your car was NOT really built in 1965.
They will rate it as of the year it was actually built, not the year it replicates.
You could have avoided the entire miscommunication by informing them that your car was a 2012 Backdraft Cobra Replica built in 2012.

It's good that you got this cleared up before you had a claim to file. If you misrepresent your vehicle's actual build year, an astute claims rep could be given the ammo to deny your claim based on fraudulent info.

Upon reading your thread, I couldn't determine if you had given them the actual build year or let them believe your car was actually a 1965 build.
If you represented your car as a 1965 cobra when requesting your quotes, the company has done nothing negligent, but you have committed fraud.