Claimbuster,
Loaded magazines for your rifle or shotgun are okay. The rifle or shotgun needs to have the CHAMBER unloaded. (I think there's a provision somewhere requiring that long guns be completely unloaded on ATVs or snowmobiles, but it's been a while since I had to do anything with it and I forgot where it is.)
I took this quote from the legislature's web site not five minutes ago.
33-6-125. Possession of a loaded firearm in a motor vehicle.
It is unlawful for any person, except a person authorized by law or by the division, to possess or have under his control any firearm, other than a pistol or revolver, in or on any motor vehicle unless the chamber of such firearm is unloaded