I meant to come back to this with a serious answer and forgot.
In the past few days, I've driven two Infiniti sedans and a Chevy sedan as well as riding shotgun in a Nissan SUV and an Acura. In all five vehicles, when properly situated, the the lap belt is low on my body and well below the grip of my pistol.
When I get in the vehicle, I belt in and then untuck my cover garment from beneath the lap belt. The chest restraint lies normally and whether it contacts the gun or not, pulling up on my cover garment gets it out of the way for a draw.