Sunnylyon, all of us here are at a real disadvantage in answering this question, because we can't see your account. For this reason, I'd actually recommend contacting AdWords support and asking the same question. You might want to include additional info on your objectives, whether your daily budget and/or Max CPC could be raised, etc.
Without seeing the account, and in a very few words, my very general advice would be to organize your account around extremely targeted Ad Groups.
In this scenario, each distinct product or service you have on offer would have it's own Ad Group. The ads would be carefully and crisply written, and would be about one thing. Each Ad Group would have a list of specific (as opposed to general) keywords about precisely the same thing. You would also avoid keywords that are not about what you actually have, and use negative keywords to prevent your ad from showing for the wrong searches.
(BTW, if you have keywords that are currently disabled, then first delete them, and put them in a new Ad Group, rather than in the existing Ad Group.)
When you target in this way, when a user searches for what you have, they will see a well written ad that says you have that exact thing.
Then, although this will not affect your CTR, be sure to send the user who clicks on your ad to exactly the right page on your site. It is quite possible this won't be the home page.
Just my $0.02, and I hope that others will weigh in as well. ;)