I don't have a lot of faith in mag mounts at lower frequencies. CB is low enough to be suspect. That is, the mag mount may not offer a very effective RF ground.
Is this a new antenna? Did you put the connector on the cable? Sure it's OK?
I hope you cut the antenna LONG according to the chart, as obviously, once it's too short, it's "too short."
Do you for certain know how to use an SWR bridge? What does it measure on 1, 20, 40? There should be SOME difference.
Cutting coax is not really a legitimate way of reducing SWR. It gets complicated, but trimming the coax only changes SWR at one point on the cable. That may or may not be at the transmitter. The fact is, that with a a properly matched, or "flat" load at the antenna end, it doesn't matter how long, or short, the coax is.
How close to the car is any metal buildings, masts, or another CB antenna?
An old vhf trick is to either get a helper or prop up the power meter so you can see it, and tape the PTT down. Go back to the antenna and watch the SWR. Reach out, to keep your body away, and move your hand near the top of the antenna. Be careful NOT TO TOUCH it!!!!
When you move your hand near--- if the SWR goes up--- the whip is too long
If the SWR goes down--- the whip is too short