1951 Champion - 

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 I think he said his was an F3 and mine is an F5. Does this mean anything? Atleast thats what the tag on the firewall has. //////
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The "F" is for 2-door sedan.  In the Champion series, a "3" was the
middle-priced DeLuxe series while the "5" was for the Regal.  A "1" was for
the bottom-line Custom.
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The sunvisor was an accessory offered by the dealer on any model of
Studebaker.

The Custom (1) came with painted headlamp and tailamp trim rings, no trim
around the windshield or rear window, no hood ornament, no gravel guards and
no trim on the side of the car.  The dash was plainer and the steering wheel
had a simple horn button and no horn ring.

The DeLuxe (3) series added chrome headlamp and tallamp trim rings, a rubber
gravel guard on the rear fenders ahead of the rear wheel opening, a nicer
interior with a bit more chrome on the dash.

The Regal (5) added a chrome strip along the rocker panels, trim around the
front and rear windows, a horn ring plus another upgrade in interior trim
and upholstery.

The Commander came in Regal (3) and State (5), with the Regal having similar
trim to the Champion Regal.  The State added a chrome gravel guard (instead
of rubber), trim on the front fender tops, plus, again, a fancier interior.