The idea of having Bluetooth in your car for your phone is that you can create a little mini-network in the car and talk with your hands free. (As you know, this is quickly become a requirement in many states.) Of course, you could bring your cell phone into the car and wear your wireless headset, but it's not a very permanent or comfortable solution.
Many car manufacturers now include some sort of Bluetooth system as an option. I took a look at the new car scene and who's offering what recently.
If you're not in the new car market (supposedly one in every 10 people in the US is somewhere in the considering, planning, or buying a new car stage at any given time), you can purchase some really nice products that can be installed by aftermarket vendors. Some of the aftermarket kits you might want to look at include products from Parrot, which is one of the largest manufacturers of aftermarket Bluetooth hand-free car kits. Others worth considering include Sony Ericsson's HCB-100 and Motorola's blnc IHF1000.
Most of these are either freestanding (microphone and speaker built into a little dash pod) or connect to the radio speakers and have a small microphone module on the dash or on top of the windshield. They'll mute the radio while you're talking on the phone. Another less expensive solution is to buy a Bluetooth adapter that plugs into your cigarette lighter and works with your cell phone. Parrot and others make these as well.
Most of these units cost somewhere around $200 and can be installed without a professional installer.