To reduce car insurance costs in Ontario, start by shopping around for quotes from multiple providers, as rates can vary significantly. Opting for a higher deductible can lower premiums, but ensure it’s affordable if you need to make a claim. Bundling auto insurance with other policies, such as home insurance, often earns discounts. Look into usage-based insurance programs that monitor driving habits; safe drivers typically qualify for lower rates. Driving a car with strong safety features, maintaining a clean driving record, and avoiding claims are crucial for keeping costs down. Additionally, consider dropping collision coverage for older vehicles where repair costs exceed the car’s value. Regularly reassess your policy and adjust coverage to match your driving habits, especially if you drive less. Finally, inquire about available discounts, such as those for low mileage, student drivers, and memberships in certain organizations, to further reduce premiums.