T.D.,

Personally, I would absolutely pay it off. Once you do it is 100% yours! It is only transportation, so if it is reliable then pay it off and plan on keeping it for a long, long time. Take the equivalent of your ex-car payment and save it in an interest-bearing account. When the time comes to replace the car, then take some of that money (notice I said some) and pay cash for your next one. You'll never have a car payment again. Also, it's much easier to negotiate a price when you are a cash buyer.