<< I meant to ask that when you see power ratings for an amp, they're rated at RMS or peak? >>
Companies which market great products (high end) will tell you BOTH the RMS and max power ratings. Generally companies like Jensen, Pyramid, Malibu, or other brands like you'll see in Best Buy and other lo-fi stores, will show the amp's MAX power, so if it says 400 WATTS!! It might be 100x4, but the actual RMS is probably somewhere around 20x4. When they do this they're also assuming that your car is always going to be running at 14.4 volts, rather than the standard average of around 12.5 volts. This is as much as a 60% increase in useable amplifier watts! My car runs at about 15 volts somehow, but most on average do not.
If you look closer at specs, reputable manufacturers will list it like this:
25x4 watts RMS @ 12.5 volts
40x4 watts RMS @ 14.4 volts
There are voltage regulators out there which can increase your car's voltage to always be 14 or 16 volts, depending on how much you want to get out of your audio equipment, but this is a long way off from where you're at it looks like.
If a company doesn't specifically list RMS next to the power rating, it's MORE THAN LIKELY a max power rating. Look for full specs whenever possible.
dm