This statement is worth noting
Quote:
(5) For purposes of subsection (1) of this section, a rifle or shotgun shall not be considered loaded if the detachable clip or magazine is not inserted in or attached to the rifle or shotgun.
For those who have a "Redi-Mag" device (that holds a magazine next to the magazine well) or any other magazine holder attached to the weapon, it would appear to most who read the above (including police) that the weapon is loaded.
As for it being out of reach, no requirement. With the exception above there is no requirement that the ammunition be in a separate location.
With a AR one can carry it in a vehicle with the bolt locked back and a magazine within reach. By the time you exit the vehicle a magazine can be inserted, the bolt released, and ready to go. If you take the law re: long guns and vehicles at it's face you technically can't fire it from within the vehicle although I'm sure one could use Self Defense as an affirmative defense should it come to that.