To dream that you are wearing a seat belt, suggests that you need to work on controlling your emotions.
To dream that you are having trouble putting on or taking off your seat belt, indicates that you are worried about what is ahead in your future.
[1]1. Need for security.
2. Need for restraint in one’s actions and emotions.
3. Desire or inclination to take unnecessary risks (not using).
[2]1. Fastened being prepared for a problem;
2. Unfastened being careless;
3. Lack of prayer; 1 Pet. 5:8.
[3]