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It's important to keep your adult and child passengers' safety in mind when stowing and securing luggage and other cargo inside your vehicle.
Know your vehicle's limits
Just because you own an SUV or minivan doesn't mean it can be loaded to the roof. Maximum load capacity, which is the maximum amount of passenger and cargo weight that a vehicle is designed to handle, varies greatly from vehicle to vehicle, even within a model range. The load capacity is specified in the owner's manual.
Keep heavy items forward in the cargo area
Make sure the heaviest items are put as far forward in the cargo area as possible, and on the floor. In all vehicles, and SUVs in particular, it is important to keep the heaviest items towards the center of the vehicle to reduce the potential adverse effect on handling that could be caused by the cargo weight. Significant weight at the back could compress the rear springs and reduce the weight over the front wheels, impacting steering and braking. Further, this strategy helps keep the overall center of gravity lower, reducing the likelihood of a rollover.
To prevent smaller items from flying around during a sudden stop, pack them into boxes, and strap down larger items using the vehicle's cargo anchors. Refrain from loading any item, large or small, loosely within or on top of your cargo pile, as these can become dangerous projectiles in a panic stop or a crash. (See how to have a safe road trip with pets.)