Don't overlook safety features when comparing different models. Antilock brakes and electronic stability control, for instance, are effective and well worth the money. Remember, though, that the most important thing you can do to protect your life is to buckle your seatbelt. Belts save lives on their own, but many of the more advanced safety features, such as seatbelt pretensioners and air bags, only work best for people who are buckled up to start with.

Here's a rundown of some of the more important safety gear.

Air bags
Front air bags are now standard on all new vehicles. Crash sensors connected to an onboard computer detect a frontal collision and trigger the bags. The bags inflate in a few milliseconds—the blink of an eye—then immediately start deflating.

While air bags have saved thousands of lives, they also have the potential to cause injury or even death, especially to children or to occupants who aren't using a seatbelt. Children under 12 should be seated in the rear in an appropriate restraint system. Since 1997, automakers have reduced the bags' deployment force and have developed new control systems that respond more appropriately to crash severity.

A new generation of adaptive, or dual-stage front air bags is standard on many current cars. Most of these adaptive systems can detect whether or not the seat belt is fastened, as well as the severity of a crash. In a low-level collision, the system inflates the front air bags less aggressively — with 70 to 80 percent of the force of a single-stage air bag. In a higher-speed collision they inflate with full force, providing firmer protection. Better air-bag systems such as those offered in some Acura, BMW, Mercedes-Benz, and GM models (among others) use sensors that detect the presence and weight of the person in the passenger seat and deactivate or adjust the deployment of the air bag accordingly. The best air-bag systems can detect the presence, height, and seat position for the driver and front passenger, and deactivate or de-power front air bags as appropriate to minimize the chance of injury to out-of-position occupants or children.

Side-impact air bags for front-seat passengers are becoming more common and affordable, and some automakers are now offering side bags for rear-seat passengers as well. When they first arrived, side air bags were fairly small cushions that popped out of the door trim or the side of the seatback. They helped protect the torso, but weren't as effective in protecting the head. Now, more and more models use additional head-protection air bags that usually deploy downward from above the side windows. Side-curtain bags, the most common type, spread across both front and rear side windows to prevent occupants from hitting their heads and to shield them from flying debris. A curtain bag can also keep people from being ejected during a rollover. The better head-protection systems deploy the side-curtain bags if the system detects that the vehicle is beginning to roll over. (For more information on crash testing and Ratings, see our Crash test 101 report).

Antilock brakes (ABS)
Before antilock brakes came along, it was all too easy to lock up the wheels (stop them turning) during hard braking, particularly on slippery surfaces. When the wheels lock up, the vehicle tends to keep plowing ahead in whatever direction it was going. You can't steer, and locked wheels can cause a vehicle to slide sideways. ABS prevents this from happening. Antilock brakes use wheel-speed sensors at each wheel and a computer that coordinates the braking action, rapidly pulsing the brakes on and off when you hit the pedal hard. By preventing lock-up, ABS allows the driver to retain steering control while braking, so that the car can be maneuvered around an obstacle, if necessary.

Brake assist
Mercedes-Benz pioneered this adjunct to ABS. By sensing the speed or force with which the brake pedal is depressed, it determines if the driver wants to make an emergency stop. If so, it makes sure the ABS is activated and boosts brake pressure. Brake assist is available on some Audi, Lexus, Mercedes, Nissan, and Toyota vehicles, among others.

Traction control
This electronically controlled system limits wheel spin during acceleration so that the drive wheels have maximum traction. It's particularly useful when starting off in wet or icy conditions. Some traction-control systems operate only at low speeds, while others work at all speeds.

Most low-speed traction-control systems use the car's antilock brake system. If the system detects wheelspin while accelerating on a slippery surface, it momentarily applies the brakes to the slipping wheel. This stops the slipping and automatically routes power to the opposite drive wheel. All-speed traction control uses a combination of ABS and powertrain control. In slick conditions and at higher speeds, a system of sensors and computers may upshift the transmission, throttle back the engine, and apply the brakes—or a combination of these—to prevent wheelspin.

Safety-belt features
While the seatbelt is arguably the single most important piece of safety equipment, enhanced belt features are helping seatbelts do their job more effectively.

Adjustable upper anchors for the shoulder belts can make a meaningful safety difference. Adjustable anchors help position the belt across the chest instead of the neck to prevent neck injuries. They also can help keep the belt from pulling down on a tall person's shoulder, making it more comfortable and encouraging its use.

Seatbelt pretensioners instantly retract the belts to take up slack during a frontal impact. This also helps position occupants properly to take full advantage of a deploying airbag. Force limiters, a companion feature to pretensioners, manage the force that the shoulder belt builds up on the occupant's chest. After the pretensioners tighten it, force limiters let the belt pay back out a little.