Two things. First, does this happen as soon as you turn on the AC. Then it could be the AC developing RFI.
Second, a thermostat (like the one you probably have on your wall) has two dis-similar metals with different coefficients of expansion. A change in temperature causes them to bend one way or the other making or breaking the contact. So it you have a loose solder joint cold vs hot (AC on) or hot vs cold (winter - AC off) makes a difference which way the bend goes.
Typically the windshield antenna is used for FM as well as AM. So look for a dipole in amongst the defroster runs.