I have a 2011 Jetta with a bluetooth speaker. It is awful. People say my voice goes in and out. VW claims there's no solution to this problem. At this point I'd like to get whatever bluetooth offers my listeners the most clarity while commuting. I have an iPhone 4s with AT&T. I will spend up to $100 if that's necessary.
Are you looking for a (visor mount) speaker or a headset? Headsets should always give you better transmit audio just by virtue of the working distance of the mic to your mouth. In a noisy vehicle (or with windows down) you want to decrease that distance as much as possible. That's why you see truckers with their full-sized boom mic headsets. Although I've got a truck driver friend who drives a spankin' new Volvo (unbelievable cab) tractor that's quite quiet inside, who uses a $35 Plantronics model that works just fine. I can tell he's in a vehicle but it never obscures his voice.
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Have you know about Monster ClarityHD Bluetooth Wireless Speaker??? I think this is the one of the best bluetooth speaker for best sound quality for music, handsfree, and speakerphone. It has rechargeable Lithium Ion batteries power up to 5 hours of playtime at full volume on a single charge. Its cost is around $119.95 which is I guess within your budget!!!!!!!
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Can people tell that you are driving, even when you use the turn signal?
I have the B250-XT+. It's by far the best noise cancellation headset (minus "theBoom" one) I've used. Very little background noise gets in. I should do a sound test while typing, but I can vacuum (!) while talking and it's still perfectly understandable on the other side.