I don't know the law in your state, but in NY state it is illegal to leave a loaded firearm in your unattended car. Loaded means ammunition and gun in the same compartment. So the safest thing to do is to carry the unloaded gun and leave the ammunition. Or next is to carry the ammo and leave the gun.
IMHO neither option is very good.
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Jim Page
Cogito, ergo armatum sum
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