Paying off the car early won't change your insurance UNLESS you change your coverage. The terms of a car loan typically required you to have comp/collision coverage (full coverage), one the loan is paid off, you aren't required to keep it unless you want to - if you remove be ready to pay out of pocket for theft, weather damage, crashes etc.
Paying off the car early wouldn't be a bad idea (check to see how much interest you would save). It sounds like you have quite a bit of extra cash....maybe buying a property?
An IRA might be something to consider, or contributing to your 401k even though your employer won't match for a while.
Hope this helps