Lower car insurance quotes are not served on silver platters. There are some things that affect the cost of your insurance premiums and the key is to know just how exactly you are going to get them. First, you need to compare quotes from five different companies (or more if you can handle it)to make sure you are getting the best deals that are available. Also, getting all of these information and having them around makes for great negotiation tools. You can also try to increase your deductibles if you want to get lower car insurance quotes Ontario. But keep in mind that you need to keep your deductibles affordable because this is the amount of money that you would have to shell out before the insurance company steps in and pays for any damage, injury or medical costs that resulted from an accident. Additional security and safety systems installed in the vehicle also helps in lowering down the quote.