BAD IDEA
So why wouldn't you pay it off quicker so incase something happens you won't be out a lot of $$$ ???
What are you going to do when the damage is a dollar amount higher then what they will pay out and they "total" out your vehicle?
It is easier then you think to break into a house... not that I would know anything about larceny and breaking and entering . Don't think only a garage door will deter everyone. Even more so since you are telling people on a local board what you are going to be doing to your car in the future.
I am just saying you should think a big money decision over more. You don't need to upgrade your car right now. But you can do whatever you want I don't really care. I am done