cheap car insurance monthly payments

Car & Insurace problem?
I'm only 18 but 4 months ago I bought a 2004 LS pioneer of 17,000 with 32,000 miles on it with the 21% rate i intrerest 530 pay per month for 42 months I'd like a cheaper monthly payment by refinacing and get a plan for 72 months .. dont get me wrong im planning to pay the truck out next year, but i dont want all my money Trow away everything in intrerest cuzz i be 27,000 in total ……. So what do u think of this idea and how long I have to wait and IM Refinace paying 260 per month insurance is there any that could be cheaper Insurace coverage total??? I knew that im going to pay this much a union worker, so make good money and have no problem paying this much .. I pay this truck beginning early next year Maïbe I just want to know if my lower monthly payment if reficance i for a 72 month plan and pay in advance?
In lendingtree.com 2 months and will apply for refinancing. Lenders to refinance your email for immediate and / or call to discuss the terms. Some lenders may be higher than it pays now, some may be much lower. I refinanced my car after 6 months and save a 10% interest rate on my own and I a period much shorter.
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