First a few data corrections:
which is lower than the historically average inflation rate of 3.00%
Over what time period? In the last decade (2005-2015) inflation averaged 2.15%. The range was also 0.1% to 4%, which is a pretty drastic spread.
you get the max possible loan duration, so let's say 5 years.
Car loans generally go up to 7 years.
How exactly do you figure that inflation into the calculation?
Let's use your numbers for this. Cars are weird though. They depreciate. So let's pretend they don't lose 10% of their value when you drive off the lot, and they rise with inflation like bread, houses and...well, everything that isn't a car.
What you're coming up with isn't how much you're paying on the loan. It isn't how much will be left in your bank. You're paying $1300 in car interest no matter how you slice it. But here's where inflation comes in. In 5 years, you will have paid $21300 for a car that is now worth...$23200. If you sold the car then, you would have $1900 extra in the bank.
So let's look at a 1% bank APY with 3% inflation. Your real return is simpler to calculate, and its -2%. Your now looking at about $19,000 in the bank.
In other words, you're not paying less or more, or making less or more, due to inflation. But what you can figure out is how far those dollars will take you. So the lesson learned from this is:
paying a loan with a rate lower than inflation is good to draw out, and not to pay above the minimum on. Your dollars go further when you stretch them this way.
Investing in a positive growth that is lower than inflation is bad, because your money's value is actually shrinking.
You're not really spending less money, you're spending less hypothetical money.
In general your income rises ~2-3% per year to account for inflation, so it may not even matter.