The only way I know of, to get the effect you're talking about is with a chroma-key, and I've done some test shots, while shooting a promo for my vector-keyer. I discovered a few things in testing ...
1) if you have the car outside, in daylight, it's hard to get enough light in the car. You need to have the car in controlled lighting.
2) watch the reflection of the chroma-screen (blue/green background) in the shiny/reflective parts of the car. those things will give you trouble if they take on the color of the background, but it's easier to deal with them if you've given it some thought. I ended up using a static plate as a travel matte to "unkey" to non-moving parts of the car that tended to key out.
3) I found lighting the green screen easiest to do from above the car, with the green screen leaning out enough to catch the light evenly ... I've got some still photos somewhere, if I can hunt them down.
4) to make it seem realistic, you've got to find a way to simulate the car bouncing around a little. I have not done this, but I suppose you could have someone bounce your car a little, and maybe add a little in post. I'd think you'd want to be careful not to overdo the real bouncing, because it might raise hell with any plates you need to pull for matting.
5) you can't stand in the middle of your yard and spin your camera around on a tripod to film the background for compositing in the windows! you get a distinct merry-go-round effect in the background. what can I say? I was time constained, so I didn't have a chance to riding with someone, filming some passing scenery.
I can say, that the in car shots made some of my more challenging chroma-key tests. You will want to make a couple of practice shots to test your lighting setup before you invest a lot of time with actors. That's another reason to shoot with the car in a garage, or at night when you can control the lighting. You won't be able to reproduce a specific lighting configuration, if the sun and cloud cover are changing.