Should I refinance my car loan, given these details?

I was a first time car buyer on August of 2006 when I purchased my 2002 VW Jetta. I put my name and my spouses name on the car when we financed it through the dealership at a rate of 10.45% (we were told it was a good rate for first time purchasers). I have [...] http://bit.ly/lZFqu0