Not all dealers are the same. It was a dealer that had the seat belts riding high. But I now have a good starting point thanks to others who replied.

Seat belts are a great idea considering most golf cart injuries are from people falling out of the cart. Just get the belts adjusted properly.

I would use The Villsges golf carts for seat belts. I had mine done there & the are easy to use & very comfortable. Must better than the ones in my husband's cart.

I had seat belts installed by The Villages shortly after buying them without. I would not even think about driving around here without them! Mine are quite comfortable. Unfortunately in a cart there are limited points where seatbelts can be attached, and the design of the golf cart did not necessarily consider this. Cars are quite the opposite.
Bottom line, get them and use them, comfortable or not. In my observations having lived here for 5 years most cart accident deaths and serious injury result from being thrown from the cart.

Seat belts on the back seats for sure .... it is whiplike on back seats. Front seats? You are correct that they cut in the wrong place.

Go to Bill Bryan Chrysler Dodge Jeep Ram in Fruitland Park on Rt441 and try out a GEM cart. I love them.

Useless
 

If they are not at least a 3 point system, they are useless.

Get airline style seatbelts, with two parts that buckle in the middle. Automotive type belts, with the buckle on the side tend to ride higher, and are more difficult to adjust.

Thanks for the suggestion EDRACKE. I do prefer to have the belt fit properly though. It really can cause significant internal damage in the abdominal area when it does not fit properly. For safety it needs to be supported by the hip bones so it can't crush internal organs in an accident.

That's interesting.