You should visit (gulp) your car dealership (if your car is fairly new.) They should be able to assist you in getting properly set-up. Passenger safety is a very big selling point for Honda, Volvo, Saab, Mercedes - probably for the others as well.
My brother tried to have his adjusted...he drives a Malibu...didn't work for me.
My uncle has a Saturn...no problems with the harness for me. Comes low enough to not strangle me.