These days, a lot of people are looking for ways to save money and getting affordable car insurance rates is something that many will not say no to. And getting affordable Ontario car insurance rates would often require a few things from you. Although shopping around can indeed get you many affordable rates, there are still a few things that your personal vehicle needs to have in order to be considered low risk by the insurance providers. First, you can consider investing on reliable car alarm systems and power locks on your doors and windows due to the fact having them in your personal vehicle helps to lower your monthly premiums. If you are going to buy auto insurance for your first personal vehicle, it is often advised that you complete defensive driving courses to also get discounts on your monthly premiums. Another way for you to keep your monthly insurance payments affordable and hence pocketing more cash in your wallet is to increase your deductible. Make sure however, that you still keep that deductible at an affordable amount since it is the amount of money that you are going to pay for out of your own pocket and you may have a lot of problems filing for a claim when you don’t pay for the deductible on time.