To lower your car insurance in Toronto, start by comparing quotes from different insurance providers using online comparison tools. Increase your deductible, which lowers your premium but means you’ll pay more out of pocket in the event of a claim. Maintain a clean driving record and consider taking a defensive driving course to qualify for discounts. Bundle your car insurance with other policies, like home insurance, to benefit from multi-policy discounts. Drive a car with higher safety ratings and features that reduce risk, such as anti-theft systems. Ensure you’re only paying for coverage you need by reviewing and adjusting your policy limits and optional coverages. Lastly, if possible, opt for a usage-based insurance plan where premiums are based on your driving habits, which can be more cost-effective for low-mileage drivers.