first thing to do is change to a 55 or 50 series tyre
what rim width are you running?
try a 195/50/15 and you shouldn't have any more problems
if you need a little more clearance , grab an old shockie and roll the guards with it
if you still need clearance then just flare the original guards
it's not that hard a job to do
a little tip
when rolling or flaring guards put an 8 mm spacer behind the wheel and then roll it , it will help with clearance as the steel will tend to creep back after you roll it by about 10 mm
will give a better result