Your score is going to go down when those new tradelines hit, and it may take 3-6 months (or longer) to recover depending what the rest of your profile looks like.
I think personally I'd consider refinancing now, and then possibly refinance again in about a year if it made sense to do so. I think you need to do the math on the additional interest accrued over call it six months and whether it makes sense to hold on for that period for what might be a lower rate (but that's not guarunteed unfortunately).
One caveat: how long have you had the auto loan for anyway? If you're about to tick over a 1 year or perhaps 3 year boundary within the next six months, I'd probably keep it but that's me... somewhere lost in the middle would drive up the liklihood that I'd refinance.
That's $600 a year. Yes, it's a lot. 
At least I think so.
@journey258 wrote:Thanks for the reply, Revelate. I've only had the 3 months. The refinance saves me $50 per month. May not seem like much for some, but for me.... that's a tank of gas!
AFAIK, six months is the minimum you want for any tradeline if possible; however, I agree $50/mo is worth refinancing over. Six months is another one of those mystical potential boundaries, and one I'd absolutely wait for personally but if it doesn't make financial sense for you to do so, don't wait and just refinance. Long-term the possible difference in FICO is irrelevant, so personal finances take priority regardless.
