Steve purchases a new car with a down payment and a loan at a 4.9% interest rate. His loan contract is for 60 months and has no prepayment penalties. Steve makes all his payments on time. What should he do if he wants to pay his loan off before 60 months has passed?make more than the minimum paymentsuse the down payment to pay down the loan increase his auto insurance premiums to decrease the amount owedpay the principal and interest due each month