195/45's are probably incorrect. They would be too short even if they did fit on the wheel. This means better acceleration, incorrect speedometer and odometer, higher fuel consumption, and maybe some clearence problems with the bodywork.
Normally when you increase tyre width one size (10mm), you also go down by just one profile to keep the overall height or rolling circumference (normally expressed in MM) of the tyre as close as possible to the original. In this case you are going down two profiles. What you should be getting are 195/50's, if they exist in 14 inch.
Going to a 15 inch rim and then finding a tyre size that gets you as close as possible to the original height or rolling circumfrence for the vehicle may be a better deal for you.