CAR WARRIORS: TOP LUXURY CARS UNDER $60,000 FOR 2016

Monday, November 2, 2015

TOP LUXURY CARS UNDER $60,000 FOR 2016

This is the sweet spot for the luxury segment. In most cases, it encompasses the mid-sized and mid-priced models for each luxury manufacturer represented. More than anything else, this list of the best new luxury cars under $60,000 demonstrates how good a given luxury manufacturer can be when price is a consideration. While budget is also an issue for their flagship models, the commensurately higher prices charged for them mean more room to elaborate. Meanwhile, at the $60,000 and under price point, if a builder is going to make its car stand out, the company really has to innovate. Absolutely one of the best new luxury cars under $60,000 for 2016, the Audi A6 woos buyers with outstanding dynamics over the road, an extraordinary interior treatment, a wide variety of engines—including a diesel offering—and a dazzling tech quotient. Further, the A6 is remarkably spacious. In other words, this is one very well rounded car. Upgrades for the 2016 model year include a mild styling refresh, more power for its gasoline-fired engines, and an updated multimedia interface featuring a faster processor, 4G WiFi capability.and 3D animated graphics, starts at $46,195.

just as its 3 Series cars rule the roost in the luxury performance sedan category, BMW’s 5 Series cars are the envy of the industry in the mid-size luxury performance sedan category. Going into the 2015 model year, BMW product planners made the decision to soften the 5 Series a bit to provide even more comfort. The 2016 BMW 5 Series sedans offer exceptionally sophisticated engines and an interior treatment free of superfluous details. Changes for 2016 include enhanced USB and Bluetooth functionalities and a power trunk lid for the 550i. Pricing starts at $50,195.

The contemporary small Cadillac sedan and coupe are easily the best vehicles the marque has ever fielded in this category. Further, they are fully capable of running wheel to wheel with any of their European counterparts in any area you can name—including ultra high performance. For the 2016 model year, Cadillac has added Apple CarPlay and Android Auto, giving the ATS the capability of mirroring the functions of smartphones running those operating systems on the touchscreen in its center stack. A host of new active safety features have been added, along with a new, more powerful V6 engine. 2016 Cadillac ATS pricing starts at $33,215. Among the best 2016 luxury cars under $60,000, the Chrysler 300—though getting somewhat long in the tooth—is an outstanding value. The quintessentially American rear-drive luxury sedan delivers all-day comfort on the Interstate, slices and dices winding two-lanes, and shows well in any urban center you can name. Further, the 2016 Chrysler 300 is roomy, comfortable, and nicely appointed. New infotainment and driver’s aid features for 2016 keep the Chrysler in the hunt against its competition. An absolutely amazing bargain, 2016 Chrysler 300 starts at $31,895. If you’re well familiar with luxury cars, have never looked at the Hyundai Genesis, and like surprises, go check one out. Just make sure you’re ready for the jaw drop you’ll experience when you see how much car you actually get for the money. Oh, and spoiler alert—when you drive it, your jaw will drop again. Yes, it’s that good. Fresh off a complete redesign for the 2015 model year, the Hyundai’s Genesis is now a luxury sport sedan of the first order, and most definitely one of the best 2016 luxury cars under $60,000. Pricing at $37,995. Anyone surprised to find the Lexus ES350 on this list of the best luxury cars under $60,000 is probably just awakening from a 27-year coma. Since its introduction in 1989 the mid-size Lexus has consistently been one of the best in its class. The very picture of quiet, comfortable, and composed, the Lexus gets new sound deadening to make it even quieter for 2016. Some may decry the fact the Lexus ES focuses on comfort more than performance, but if fast is what you’re after—with a Lexus badge—the similarly-priced Lexus GS will serve you exceptionally well in that regard. For 2016, Lexus ES350 pricing starts at $37,950. For 2016, Volvo has introduced a long-wheelbase version of its S60 sedan, endowing the mid-size luxury car with the rear seat legroom of a car one class above it. Meanwhile, as the top of the line trim level, the Inscription package infuses the S60 with wonderfully understated luxury touches such as plush leather, satin metal, and genuine walnut. At once more comfortable and more nicely equipped, while remaining every bit as good looking as the standard wheelbase S60, the 2016 Volvo S60 Inscription is absolutely one of the best 2016 luxury cars for under $60,000. Pricing at $38,700. With the recent introduction of new, smaller class of Mercedes-Benz sedans, the 2016 Mercedes-Benz C-Class has room to move further upmarket, as it is no longer tasked with serving as the entry-level Mercedes model line in the USA. Taking full advantage of this development, the C-Class evolved just in time to be a stronger competitor in the emerging compact luxury sedan class—though its size could qualify it as a mid-size offering. As the model was all new for the 2015 season, the Mercedes goes into 2016 with few changes and still ranks as one of the best luxury cars under $60,000. starts at $38,950.

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KNOWING ABOUT YOUR POWER-TRAIN WARRANITY

A powertrain warranty is a form of assurance offered by the manufacturer of an automobile. When a consumer purchases a vehicle, at the time of sale, he or she will be given a powertrain warranty, which will cover all or part of the powertrain of the underlying automobile. When a mechanical problem occurs to the powertrain the costs associated with repair or replacement are covered in the powertrain warranty—the manufacturer or dealer whole sold the automobile will pay to have the car fixed. That being said, what parts are covered and the extent of the repayment associated with fixing the car will vary greatly based on the powertrain warranty offered.

Depending on the manufacturer, a powertrain warranty will provide different forms of coverage based on interpretative differences; for example, one manufacturer’s definition of an engine can be referred to as a ‘long block’, meaning the engine, as well as everything attached to it cannot be removed. Another definition of an engine can be a “short block” meaning only part of the engine—typically the piece below cylinder head—cannot be removed. As a result, the coverage abilities will vary between these two warranties if the engine proved to be faulty.

In addition to the engine, the type of automobile will necessitate different variables within the powertrain warranty. For example, if you purchased a manual transmission vehicle, the warranty may exclude repairs or replacements for important pieces, such as the clutch—an extended warranty for a manual transmission will typically only provide coverage for the driveshaft and the axles.

A powertrain warranty will last for a certain number of years or for a maximum number of miles. In most instances, the powertrain warranty will last longer than a typical car warranty; the basic powertrain warranty is offered as a 10 year or 100,000 mile warranty, or whichever comes first.

Other Warranites Usually available to car buyers:

Basic: Also known as "bumper-to-bumper" coverage, this is the general coverage that would pay to repair defects in factory-installed parts. Tires are not typically included because they're usually covered under a separate tire manufacturer warranty.

Corrosion: Covers rust that causes holes in sheet metal in parts such as the doors or side panels.

Roadside assistance: Provides help with towing and tire-changing if the car breaks down while traveling.

It's best to check with dealers for specifics, but here is a list of seven top auto companies that offer among the best car warranties, despite the fact that many are rated safe cars by independent research firms.

Car Insurance Tips

Find out what’s covered and what isn’t. Get your quote in writing and confirm the accuracy of each vehicle and driver you are insuring, as well as the coverages you requested. Ask about free, value-added features, such as emergency roadside assistance. Check to see if repairs are guaranteed for as long as you own your car, and find out what kind of payment options are available.

To see if you’re getting credit where credit is due, it's a good idea to find out all the discounts available to you. Some simple ways to save money on your auto insurance include maintaining a clean driving record, being a good student and the inclusion of certain safety features when buying a new car can save you money on your policy.

Your state sets forth the minimum liability coverage you must maintain, as mentioned above. But these are just the legal minimums and might not give you the coverage you need. You'll have to decide what you want to buy beyond these minimums. Keep in mind that you are looking to find the balance between having adequate coverage and overpaying.

According to Consumer Reports, a general guideline for adequate bodily injury liability limits is $100,000 per person and $300,000 per accident, plus $100,000 for property damage. These amounts are what your insurer will pay to someone you are in an accident with. For uninsured motorist coverage, you should get the same amount as for bodily injury liability, as this covers your medical costs when someone who is not insured hits you.

Auto insurance tip #1
Understand why you need auto insurance
In short, you need car insurance to protect your car, yourself and your passengers. You also protect any assets, like your home and savings, as well as comply with state law.

Auto insurance tip #2
Know your current coverages-but be willing to adjust
Use your current coverages and limits as a starting point; you can refer to your declarations page for this information. Then, adjust your coverages as necessary to match your lifestyle-which might be different than it was when you first bought the policy.

For example, if your teenager starts driving next month, you might consider adding him or her to your policy now. Or, if you just bought a new car, you might choose loan/lease payoff coverage, so that if your car is stolen or declared a total loss, you'll have help paying off your loan or lease.

Auto insurance tip #3
Decide what you want to protect, then choose your coverages

Auto insurance tip #4
Use deductibles to your advantage
Your deductible is what you agree to pay out of pocket when you use your car insurance. In general, the higher you set your deductible, the less you'll pay for your policy. And conversely, if you set your deductible low, you'll pay more for your policy, but less when you have a claim.

Auto insurance tip #5
Know that certain things affect your rate
Insurance companies evaluate a variety of things when they calculate your rate, from your driving record to where you live and how many miles you drive on average. Keep this in mind when you see your rate.

More alternatives:

Raise your comprehensive and collision deductibles to at least $1,000, which lowers your premiums and prevents you from filing small claims that could jeopardize a claims-free discount. Add some more money to your emergency fund so you’ll have the cash to pay the deductible if anyone in your family does have an accident.

Drop collision and comprehensive coverage entirely on older cars that are worth little more than the deductible. You may be paying more in premiums than you could ever get back from the insurer, even if the car is totaled.

Tell your insurer if your child goes away to college. If your child goes to school more than 100 miles away and does not use the car, you can usually get a big break on your premiums but still have coverage when he or she comes home for vacation.

Ask about other discounts for teenage drivers. Some insurers offer discounts for driver-safety programs, cutting costs if the kids take a special class, watch a DVD, or read a driver-safety book and take a test. Ask your insurer what your kid needs to do to qualify.

Make the most of multi-policy discounts. You’ll usually get a break on your auto insurance and your homeowners insurance if you keep both policies with the same company. You may get an additional discount if you include an umbrella policy, which provides extra liability coverage beyond your auto-insurance limits and can be particularly valuable when you have a teenage driver.

Some insurers offer much better deals than others for teenage drivers, so it’s important to compare costs. The insurance company that offered the best rate for you and your spouse may have some of the highest rates when you add a teenage boy to the policy - and it’s almost always better to add the child to your policy rather than have him get his own policy.

You can get price quotes from several online insurance companies like Progressive or AllState or get personalized service from an independent insurance agent who works with many companies. You may not want to switch from a longtime insurer just to save a few dollars, however, because your current company may be less likely to raise your rate or drop you if your child has an accident. If you stay with the insurance company you currently have there more room for forgiveness and benefits of such various programs. Also keep in mind that if you have been getting a multi-policy discount, your homeowners-insurance rate might rise if you take your auto-insurance business elsewhere.

One thing you don’t want to do in an attempt to reduce your premiums is skimp on liability coverage. recommends liability limits of at least $250,000 per person, $500,000 per accident and $100,000 for property damage or a policy with a “combined single limit” of $500,000, when available, which does not limit the coverage to $250,000 per person involved in the accident. Young drivers are more likely to have accidents, and lowering your liability limits could leave you on the hook for tens of thousands of dollars in expenses if your child does hit another car or injure someone.

CAR WARRIORS

Monday, November 2, 2015

TOP LUXURY CARS UNDER $60,000 FOR 2016

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