Florida also lets you keep a loaded gun in your car without a permit. As long as it's holstered or in something with a lid.
Well, not exactly. It's basically referred as the 3-step rule. It must take 3 distinctive steps to bring the firearm to a fire-able state. The 3 separate step are not specified, as long as it can be reasonably conceived as 3 steps. Having it loaded, within arms reach (under the seat, etc) is totally illegal.
For me the 3 steps are, remove from glovebox, load the clip, chamber a round.