Caps have 20% tolerance as a tolerance rating to the Capacitance or uF rating variation. Usually as a factor with temperature, design, etc. As a rule of thumb when designing electronic circuits, caps used has to have at least 30% higher voltage rating than the actual supply.
Bro levin818 is actually talking about voltage transients. The power dissipation from these voltage transients are very small but the high voltage peak/surge can cause some components to breakdown such as semiconductor and capacitors. Capacitors are basically two conductors sandwiching a dielectric insulation layer. To have high capacitance, the dielectric layer has to be very thin. However, on the other hand the thinner the insulation layer the more susceptible it is to dielectric breakdown and damage to the capacitors.
The car alternator and voltage output from most cars do go through some voltage regulator. But take note that the voltage at that point is from the source. Long wires and cables are required to power up all the equipments and loads all over the car. Loads which does not consume current at a constant rate such as car aircond turning on/off, woofer kicking in every now and would consume a very high amount of current for a short instance during the on/off transition cycle. Long wires/cables equates to more inductance and acts as a form of storage (magnetic<>electrical) which would result in voltage spikes in the car electrical system. Usually a parallel load cap at the furthest end point of each load is what is required to minimize the voltage spikes - that's why I don't trust all the VS out there. Also, keep cable/wire short as possible. Isolate wire/cable from high load cables from low loads. Shield high load cables if necessary. Best if can have individual wire/cable layout for each load directly to the source (alternator/battery). Improve grounding, etc. If you understand the car electrical system well and fix the root cause of the problem (voltage spikes, transients, etc) you may not even require a VS. At some points I do agree a VS might help somewhat somehow but should be installed directly and closest to the load point rather than at the car battery and ciggy lighter port.
Please be EXTREMELY careful when you design/wire up any circuit using a supercap! Supercap stores very high amounts of energy in a small package. Usually it is use as a backup power for small clock circuits that draw very little power. Since the supercap can store large amount of energy, charging the supercap has also got to be regulated usually with a resistor or constant charge circuit. You might destroy the supercap and cause a fire if done wrongly. Also, wiring up caps in parallel sums up the capacitance. Wiring up caps in series... calculate and figure out the eventual capacitance
If you want to know more, study electromagnetic interference (EMI) system design.