The call, click and save era of car insurance may be hurting consumers in the long run according to a Fort Myers based insurance agency owner. Kagen Cooksley, of Regency Insurance, said shopping online and naming your own price could get you a low rate but in the long run it may hurt you if you drop your coverage levels. Here are his five recommendations to save money on auto insurance: 1) Keep coverage at appropriate levels. Cooksley said insurance companies will start to see you as someone that does not value a product if you keep very low coverage levels, so over time keeping coverage levels higher will net you better discounts. 2) Do not jump ship between carriers. Staying with the same company for at least one or two years is favorable to your rate, according to Cooksley. 3) Pay premiums off in full. 4) Use auto pay or an electronic draft if you make monthly payments 5) Do not call make frivolous claims. “If the damage is on $700 and your deductible is $500 it’s probably not a good idea to call in that claim,” he said. WINK News investigated other factors leading to higher auto insurance rates including education and employment and the cost for repairs on newer vehicles.