I can't speak about car covers, but I use the reflective windshield block and I just park so my windshield will be in the sun when I get back to the car. You can get multiple ones and use them all around the car if you really want.
Another thing that helps keep folks cool in the hot weather is beaded seat covers. They get you up and away from the fabric and lessen the amount of clothing sticking to your back. I have heard of others that have lower back supports made of mesh that like them a lot, the idea is just not sitting directly on the seat and getting some air flow under the body.
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