Just curious, why the hell would you take out a 5k loan to buy a car, and not insure it full coverage?? At least while you have the loan open. That is an absolutely stupid move on your part.
What if (God forbid) you go out tonight and wreck your ride beyond repair? or if it gets boosted and is never recovered? you are SOL beyond belief. You will owe that loan and have nada for it.
Sounds like home ownership is not a responsibility you are ready for just yet.