Correct. If you do not have a CWP you can carry in the Glovebox, or console loaded or unloaded. You can also carry in the trun. In the luggage area (Such as behind the rear seat in a SUV) it has to be in a case with a fastener. (A zipper is fine) No lock is necessary and may be loaded or unloaded. This is for handguns. You may also carry while hunting or fishing and on the way to and from hunting or fishing as long as you have a hunting or fishing license. This is a very broad field and there is no real guidelines on it but I would refrain from OC in Wal-Mart while stopping by on the way to your fishing spot but that could be one inyterpretation of the law.
For long guns there are very few restrictions that I can find and they deal with certain hunting laws rather than carry laws.
If you have a CWP you can carry on your person in the car. SC is a must notify state if you have a CWP and are carrying on your person.
One other comment is you can carry open or concealed, loaded or unloaded on your own property or other private property as long as you have permission of the land owner or person in charge. This includes your home, farm, or other property as well as your real place of business.