I’m putting together a small kit for my car flow when I pass by a good looking steam or lake and have a few minutes to spare. Lakes around here are very weedy, stream can be muddy, weedy, tea-stained or crystal clear and rocky or sandy. 
I’ve already got a collapsable rod and old spinning reel, but what lures? I’m thinking mostly finesse stuff, such as:

• senkos 
• rapala minnow, maybe a shad rap
• square bill
• ned craw
• Swimbaits
• toads
• tubes and/or grubs

 

Any other ideas? It’s a lot of plastics, but I think I have a compartment in the car that won’t get too hot to melt them. 

Throw in an inline spinner like a mepps.  

I’m going to agree with the above advice and I’ll add to it with underspins/road runners both with “hair” and “plain” which you can add tubes, curly tail grubs or my personal favorite gulp alive minnows onto, everything in my ponds will eat the roadrunner/gulp alive minnows in my ponds. 

I actually have a fanny pack in my car for moments like this and it works GREAT. With pole in hand and the fanny pack on... I can go anywhere and not have to carry anything besides my rod. It's great. 

I keep the following in there:

- one small bait bag with non-elaztech plastics (a few each of paddletails, senkos, flukes, and rage menaces for trailers)

- one small bait bag of elaztech plastics (ned rigs, GOATS, etc)

- a few hooks (EWG, swimbait style, dropshot, ned heads, etc.)

- a few weights (bullet weights for t-rig, dropshot weights)

- a small spool of extra line (8lb hybrid)

- pliers

 

I don't bother with crankbaits or anything big and "hooky" like that. Just some easy to carry stuff that covers a LOT of bases. 

 

Here in Florida the plastic baits take a beating with the heat. I still keep a few ribbon tails and a few finesse worms. I mostly use small crank baits, shallow type stuff and a few top water. 
I also change the mono out about mid summer, the heat is brutal.

Trust me.

H2OX 3500 Ethos Soft Camo Sling Pack | Free Shipping at Academy

Add a 1/8 Spinnerbait 

I have one. It consist mostly of Beetle Spins and grubs. 

What's your rods length, power, and action?

Rod, is medium power I think just a bit under 7'.

 

I have stolen an inline spinner, beetlespin and spare pliers from my daughter's tackle box. I'll but them back before she needs them.

 

As for keeping things from melting, I have a compartment under the floor in the back, and I've got some little insulated pouches. I think putting one of those pouches in the compartment should be enough insulation  to keep it from getting to a melting point. But we'll see.

No finesse fishing box is complete without finesse worms. They can be rigged so many ways; dropshot, weightless, wacky, flickshake, shakyhead, neko, splitshot rig. I'd keep a few small finesse jigs on hand too. Jigs and worms are foundational imo, everything else is gravy.

I call it my attack bag, it's actually a camera bag.