As you noted a car is a much more difficult environment to simulate than a "perfect" ground system. Depending on how big a car is, its shape, and where the antenna is virtually anything is possible. If the antenna is mounted on the roof the sloping down and lower planes (hood and trunk of the vehicle) will raise impedance in a similar way to angling radials down. If the antenna is mounted on the bumper, or the trunk lid for that matter, or any place other than the roof, the planes that are higher than the antennas mount (roof, possibly the top of the trunk, ect) will lower the feedpoint impedance in a similar way to the radials on a Sigma-4/Vector 4000.
This isn't even the half of it. We also have other things to worry about, such as the vehicle body as a whole acting as a capacitive ground system with the earth below, which is the true ground plane for the vehicle's antenna. Beyond that we have issues with modern cars that don't have good electrical connections at RF frequencies between the body parts and chassis which hurts the capacitive ground system and with most vehicles as well as makes the loss problem that vehicles even worse. I could go on here...
On a side note... Something I would like to see a study on is a shortened antennas over an inadequate ground system (such as a car) compared to a full sized antenna and their efficiency numbers. I know a shortened quarter wavelength antenna will never be as efficient as a full length quarter wavelength antenna over a "perfect" ground plane, however, according to theory, shortened quarter wavelength antennas do not need as large of a ground plane as a full length quarter wavelength antenna to simulate a near "perfect" ground conditions. I am wondering if this difference will keep a smaller antenna closer to the efficiency numbers of a larger antenna in such a mobile environment, and if so how much you can shorten an antenna for a given type of car before additional losses in said situation become significant.
The DB