[LGAFF]

Collision and Comp carry a frequency and there is in fact a frequency used by car....each year insurance companies submit premium multipiers to the state by the make and model of a car; based upon its loss ratio.....there is a base premium and all of your factors move that base premium up and down.

The thing to consider is that Zs are probably driven less than most Corvettes...let me think this through, and get some #s.

The loss ratio on classic cars is about 40-50% of what standard auto insurance is....which means frequency would be lower than standard insurance too...