Growing up in southern Ontario, I think I saw one tick during the first 30 years of my life...and I spent a lot of time outdoors.
Now, in Manitoba, I see a few each year...a few thousand, maybe...
They seem to like to walk around on me for hours before biting so I usually find them that way; I've only ever had one actually bite, and he had just started when I found him. I'm pretty cautious checking myself, I use the Permethrin as mentioned (terrific stuff...), but there's one last resort that nobody here has mentioned yet: flea and tick shampoo. Yep, the stuff for dogs. If I have been out all day in May/June or otherwise suspect that I might have a hitch-hiker on me, I will take a shower with flea and tick shampoo, followed by another one with regular soap. No, your doctor won't say it's okay for you. I think the occasional exposure to this stuff is preferable to the risk of Lyme infection.