If you're thinking of treating yourself to a new luxury car, you may be surprised to find out just how easily you can afford one. Sure, many new models are very expensive, but our list of luxury car deals and incentives proves you don't have to spend big money on your next high-end car.

Buick Verano

The Buick Verano is a compact luxury sedan with an emphasis on affordability and fuel economy. In June, the 2014 Verano is offered with incentives for shoppers looking to buy, lease or pay with cash. For shoppers paying in full, Buick is offering up to $750 back, which is a small figure but one that makes an impact on a car with a $24,500 base price. For drivers looking to finance, Buick is offering 0 percent interest for up to 60 months to all qualified shoppers. And for those interested in leasing, the Verano is available with a 24-month term and payments from $199 per month after $3,609 down at lease signing.

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Jaguar XF

The Jaguar XF is a rear- or all-wheel-drive luxury sedan that offers sporty performance and crisp styling that's unmistakably Jaguar. In June, the XF is offered with two incentives: a lease deal and a low interest rate for shoppers looking to finance. For qualified drivers interested in financing, Jaguar is offering 1.9 percent interest for up to 36 months on all 2014 XF models -- not a bad deal on a new luxury sedan. But lease shoppers get an even better offer, as Jaguar is touting a 36-month lease on its 4-cylinder XF 2.0T with payments from $429 per month after $3,995 down at lease signing.

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Lexus IS

The sporty Lexus IS was recently redesigned with a bold new look and a cutting-edge interior. In June, it's also offered with several excellent incentives for shoppers interested in getting a good deal on their next sedan. The best offer is a low-interest financing rate on the 2014 IS 250, which provides 0.9 percent interest for up to 36 months on all IS 250 models. For drivers who would rather lease, Lexus is touting a 27-month term on the IS 250 with payments from $349 per month after $1,899 down at lease signing, or the same term on the more powerful IS 350 with payments from $419 per month after $3,019 down.

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Lincoln MKZ

The Lincoln MKZ is a new midsize sedan with bold styling and a long list of high-tech gadgets and features. In June, the 2014 MKZ is offered with several incentives to lure away shoppers who might otherwise consider sedans such as the Acura TL and Lexus ES. For qualified drivers looking to finance, the MKZ is offered with 0 percent interest for up to 36 months, 0.9 percent for 48 months or 1.9 percent for 60 months. For shoppers who would rather lease, Lincoln also has a deal available: $329 per month for 36 months after $2,239 down at lease signing.

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Volvo S60

The Volvo S60 is a midsize luxury sport sedan with an emphasis on safety and performance. In June, the S60 offers several excellent deals for shoppers looking to lease or buy. For drivers interested in buying an S60, Volvo is touting up to $3,000 in options allowances, which is much like cash-back deals from other automakers. Drivers who would rather lease can choose from two options: a front-wheel-drive S60 T5 for $299 per month for 36 months after $3,499 down, or an all-wheel-drive S60 T6 for $349 per month for the same 36 months after $3,549 down.

Volvo S60 for sale

What it means to you: We've gathered today's best luxury car deals and incentives on several of our favorite new models.

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Doug DeMuro has a wide range of automotive industry experience, from work at a Ferrari dealership to a manager for Porsche North America. A lifelong car enthusiast, Doug's eclectic vehicle purchases include a Porsche 911 Turbo, an E63 AMG wagon, an old Range Rover and a Mercedes Benz G-wagen.

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