I would not have both up in the passenger compartment like you mentioned. Even Michigan would consider that a violation if the gun was upfront like that, unless you had a valid CCW. Otherwise, they would considered it an illegally concealed handgun even if it wasn't loaded. When I go from Mi through IL every year on my way out to WY I have my rifles in cases behind my seat with the ammo for them in the back of the truck. My handgun is in a separate case in the back of the truck and the ammo is up front so that I meet MI requirements, as well as those of IL when I go through there.