By the look of it, the Studebaker is a lot more basic and an earlier car, the main difference I can see is the hood height is twice as high and shorter compared to the Baker, the seating position is higher, and further forward, shorter wheel base, basic center chain drive compared to a diff with outboard rear brakes on the Baker, the steering arrangement on the front wheels is different (notice the tie rod on the Studebaker), the front chassis rails on the Baker are more 1910 style and a typical C section channel iron compared to the Studebaker with tapered tubular chassis and dumb irons which was more typical on 1902 cars, also the dash is leaning forward on the Baker.