Depending on the phone you have you should be able to do it with just a cradle to hold the phone.
Most phones have the ability to have voice activated answering or at worst auto answer after x number of rings. If the phone is in a cradle I believe that it's still legal to answer it just by pushing the answer key anyway.
Check your phone user manual.
If you really want Bluetooth (and it seems to me that you have no real use for it) one of the sun visor mounted kits from BlueAnt or similar would be ideal. Most phone shops have several types to choose from.
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