Back when I was younger and didn't have my own place (like pre-college) car dates and park dates and football field dates (you get the picture) was all I had to get my nut. Once I got my own place car dates became mostly just for heavy make out shit on the way home.
The next phase of car dates comes when you have your own place but share it with someone who wouldn't appreciate you bringing that lady home and that lady doesn't have a place to take you or you just want it then and there. My most recent experiences are with strippers. Some times you play in the club and I've had a few that take a quick break to do the deed in my ride. In that situation the risk seems lower in my car then in the club.