TexasCHLforum.com

Assuming you can legally possess the handgun (not a felon, etc.) you can have it on your premises or premises under your control in Texas. It can be loaded or unloaded, concealed or not, and no license is needed. Loaded guns are more useful and concealed guns attract less attention but it's your choice. Same thing if you're "directly en route" to your motor vehicle.

Inside your car, the law does require it to be concealed. If "the handgun is in plain view" that's a Class A misdemeanor. You are not required to spontaneously tell police there is a firearm in your vehicle, but you shouldn't lie if a LEO specifically asks.

If you eventually get a CHL, and a LEO asks for ID, you are required to display your ID and CHL if you're carrying a concealed handgun. It may be a good idea to display your CHL to police with your ID even if you're not armed, to avoid misunderstandings.