For tuning you have NFS or Midnight Club. I prefer Midnight Club 3 cos the cars are very editable and the physics are quite good, only the speed is very strange (you can make 0-60 mph in half a second sometimes). I've tried NFS U2 but it's less real and the cars aren't so editable like in Midnight.
Rates: 1 stolen 4 very bad 6 acceptable 7 realistic + nice 8 very good 9 awesome 10 awesome + epic