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Just a post-note: I try to keep something in each of my vehicles that will let me inconspicuously move a pistol between trunk and passenger compartment, just for situations where I have to disarm. It's usually an empty Daytimer binder or something similar, because it zips up. Even a towel will do in a pinch.
Cover it and grab it, get squared away inside the locked car.

esxmarkc wrote: As for leaving you in in a hurry in a "disarmed" condition, I'd bet you could slap the mag back in and rack it before he was 50ft down the road and who cares if someone sees you do it - there's an officer 50feet away.

I bet any of the typical "Looky-Loos" who saw you chamber a round and holster that weapon, would assume you are plainsclothes LEO