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I don't know, but I suspect registration in one state and garaging in another could be a contributing factor to the pricing you are seeing. The idea that an original Cobra, that is easily 10x the value of a replica, would insure for half the premium of the car with the replacement factor that is 1/10 the original's replacement value doesn't sound right.
I think that Midwest is trying to communicate with you through insurance premium pricing rather than words.
Ed
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