The "Ouch" Cost of Insurance

Well, we got a bill in today- and most of the times when the bills come in they are under $150. Today's was an "ouch" factor. Partial payment was due for the insurance on the trailer-an installment notice. $335. The total on the insurance is actually over $1,100.We have been making payments as it is easier for us.We are dinged an extra $10 service charge fo each time this is done, but it easier with the payments like this for us.The next installment comes due mid December- always before Christmas.
I have shopped around for insurance rates too.We have had a few quotes done- they are usually more or a bit less, and not enough of a difference to make the switch.We live in a mobile home though with an addition, so mobile home insurance rates are always higher.
I'm usually quick to send a cheque off when a bill does come in- just to get rid of it- but this one will have to sit a few days on my table- I'm just not ready for it yet.
Of course vehicle insurance is just as bad.I have thought of raising the deductible but always have in the back of my mind- that this would be the time an accident would happen and I would have to pay the higher deductible.I have always kept the insurance rate higher with the lower deductible.Do you pay the lower or the higher deductible?