There are a select few areas where a loaded rifle or shotgun may not be carried in a vehicle...(Henrico, Richmond, WMA's, Etc) permit holders exempted for some stupid reason. Check the game laws.
Cased isn't concealed.
Since I don't live in a special county, I have a loaded, uncased, rifle, shotgun or both all year. They get changed with the seasons.
For those scoundrels that scoff at the special area rules, The fine is about twenty five bucks.