It's tricky to give an answer without seeing all the rates on your debts, but the above were some things for you to think about.
Treat your debt repayments as an expense, not a saving, minimum repayments are an essential all other savings are diverted to debt repayment (hopefully?)
I almost always value flexibility above all else. If I lost my job next week, however unlikely, would I be screwed more one way or the other? You can mitigate these risks with an emergency fund. If you have a few months expenses, including minimum repayment fees, you can avoid getting jack-hammered with late repayments fees and damage to your credit rating, particularly important if you need to buy a house with a mortgage.
Earning $1500-2000 and saving ~60% means you can pay down $900-1200 a month and therefore be done with the car loan. If it's going to be paid off in 3-5 months, why bother paying 3% on the balance to transfer? Assuming your rate on car loan is 8%APR (quite high? probably lower? sub your calc as you see fit),
Paying car loan off in 4 months, should be possible with your savings rate:
$4000*(0.08/12)*4= $106 interest over 4 months
0.03*4000=$120 balance transfer fee = not worth hassle.
Full disclosure, I balance transferred a CC to another card when I was in debt repayment mode and it made me slow down my repayments, so the higher interest rate while costing you slightly more will simulate hair on fire mode and get you payed down faster.
Interest rate differences like these only make differences over decades, not months. It's really not worth the hassle. If your quibbling over a $100 here or there, yes your smart, but surely there's something nicer to do with your time ;)