August, 2025 | Boizelle Insurance Partnership
Rising Crime in D.C. Drives Up Insurance Costs and What You Can Do
What Just Happened
Earlier this week, the D.C. Department of Insurance, Securities and Banking (DISB) released findings showing a sharp increase in auto insurance premiums across the District, citing both rising rates of carjackings/auto thefts and racial disparities in insurance pricing. The report revealed that Black drivers pay 1.46× what white drivers pay, and Hispanic drivers pay 1.2×, even when accounting for losses and claims—all pointing to systemic underwriting issues
For many residents, this isn’t just a statistic—it’s reflected in their wallets. Car insurance costs recently surged by approximately 14% for Erie customers, with more insurers prepping for similar hikes
Why Crime Matters for Car Insurance
Several recent reports paint a clear picture:
- Car thefts and carjackings have spiked by 80–98% in 2023. Insurify and Police data show DC auto thefts rose about 82%, and carjackings nearly doubled—from 484 to 958 cases
- Average premiums in DC reach roughly $2,750/year (~$230/month)—ranking among the top 10 in the U.S.
- Insurance companies spread these elevated theft and claims costs across all policyholders in the area, triggering blanket rate hikes
DISB Report on Racial Equity
In a landmark move, DISB analyzed auto insurance pricing through a demographic lens. They found:
- Black drivers pay on average $326 more/year than white drivers.
- Hispanic drivers also face significant premiums compared to white drivers.
- While claim frequency was partially higher for Black and Hispanic drivers, that alone didn’t explain the pricing gap
DISB’s next steps include:
- Conducting deeper reviews on loss vs. pricing differences.
- Implementing a “balancing test” to limit unfair underwriting such as credit and ZIP-code weighting.
- Encouraging public hearings to help inform future rulemaking
Why This Matters Now
D.C. is facing a “perfect storm”:
- Crime surge is directly costing insurers via theft and damage claims.
- Inflationary pressures—repair, medical, and vehicle costs—are compounding losses
- Legislation is evolving: Erie’s 14% hike is one example, and a push from DISB may lead to broader reforms
These factors don’t just affect individuals—they reshape the entire insurance model in D.C.
What DC Drivers Can Do
- Shop Around & Bundle
Many DC drivers report saving 30–50% when switching providers. Bundles (auto + renters/home) can also unlock discounts - Install Anti-Theft Gear
Alarms, tracking systems, and garage parking are often eligible for discounts that can offset regional rate hikes - Maintain Coverage, Especially Glass/Omission Coverage
Gaps in coverage—especially for glass—can cost more in the long-run - File Police Reports Promptly
For stolen or vandalized vehicles: without a police report, your insurer may deny the claim—or attribute negligence - Watch for DISB Reforms
Proposed rule changes aimed at increasing equity and transparency—especially for anti-bias underwriting—could reshape rates if adopted.
Looking Ahead
- Expect wider regional rate adjustments similar to Erie’s 14% hike in DC
- DISB’s equity initiative may lead to underwriting rule changes, limiting ZIP, credit and other biased rating factors.
- Community pressure may prompt insurers to offer local anti-theft rebates and transparent explanations for rate increases.
- Anticipate potential state-level increases to minimum liability limits, shifting policy frameworks
Conclusion: A Time to Act
The recent DISB report linking crime surges and racial inequity in premium pricing marks a critical moment for DC drivers. With insurance costs rising due to crime and inflation—and reforms in the pipeline—drivers must stay proactive:
- Regularly compare quotes and switch providers for savings.
- Equip your car with theft deterrents and ask your insurer about discounts.
- Keep comprehensive coverage current, and file police reports immediately after incidents.
- Stay informed on regulatory rule changes, and support equitable underwriting.
In a city where crime and insurance costs are rising together, continued vigilance and informed action can help DC drivers protect both their safety and their budgets.
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How Extreme Heat Can Damage Your Vehicle
Extreme hot weather can take a serious toll on your car—both mechanically and cosmetically. Here’s how high temperatures can cause damage, and what to watch for:
How Extreme Heat Can Damage Your Car
- Battery Failure
- Why it happens: Heat accelerates chemical reactions inside the battery, which can cause it to overcharge or lose fluid faster.
- Result: Shorter battery life or total battery failure—often without warning.
- Tip: Have your battery tested before and during summer. Keep terminals clean and fluid levels topped off (if applicable).
- Tire Blowouts
- Why it happens: Hot weather increases the air pressure inside your tires, especially if they’re already underinflated or worn.
- Result: Increased risk of blowouts, especially on hot pavement.
- Tip: Check your tire pressure regularly and follow the manufacturer’s recommendation, not the max PSI on the tire wall.
- Engine Overheating
- Why it happens: The cooling system works harder in extreme heat, and coolant can evaporate or leak faster.
- Result: Overheating can cause engine damage, warped components, or breakdowns.
- Tip: Regularly check coolant levels, radiator condition, and make sure fans and belts are working properly.
- Paint and Interior Damage
- Why it happens: UV rays and high temperatures can fade, crack, or warp materials.
- Exterior: Paint oxidizes and clear coat can peel.
- Interior: Dashboards can crack, leather dries out, and plastic components warp or fade.
- Tip: Park in shade, use sunshades, apply UV-protectant wax, and treat interior surfaces with protectants.
- Fluids Degrade Faster
- Why it happens: Heat thins and breaks down essential fluids like oil, brake fluid, and transmission fluid.
- Result: Reduced lubrication and higher risk of component failure.
- Tip: Stick to your maintenance schedule and check all fluid levels more frequently in summer.
- Air Conditioning Strain
- Why it happens: AC systems have to work harder in extreme heat, putting stress on the compressor and belts.
- Result: Weaker cooling or total system failure.
- Tip: If the AC isn’t cooling well, have it inspected—refrigerant may be low or there may be a leak.
- Windshield Stress
- Why it happens: Rapid temperature changes (like running cold AC on a hot windshield) can cause thermal stress.
- Result: Cracks or chips can form or spread.
- Tip: Avoid sudden temperature shifts and park in the shade when possible.
Bottom Line:
Extreme heat doesn’t just make driving uncomfortable—it can cause real damage if you’re not proactive. Preventative maintenance, parking smart, and protecting surfaces can save you from expensive repairs later.
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Myths & Facts About Car Washes
Here’s a list of common myths and facts about car washes—useful whether you’re doing it yourself or going to a commercial wash.
Myths vs. Facts About Car Washes
Myth 1: Hand washing is always better than automatic car washes.
Fact:
Hand washing can be gentler if done properly with clean microfiber cloths and two-bucket methods. But if you’re using dirty sponges or towels, you can actually scratch your paint more than a modern touchless or soft-cloth automatic wash. High-end automatic washes are designed to minimize damage and may even be safer for your paint than a DIY job done wrong.
Myth 2: You only need to wash your car when it looks dirty.
Fact:
Even if your car looks clean, things like road salt, bird droppings, tree sap, and pollutants can damage your paint and cause rust if not removed regularly. Washing every 1–2 weeks is generally recommended, especially in areas with harsh weather or pollution.
Myth 3: Dish soap is fine for washing cars.
Fact:
Dish soap strips wax and protective coatings from your car’s paint, leading to faster deterioration. Use a car-specific shampoo designed to clean without damaging the finish.
Myth 4: Hot water cleans better than cold water.
Fact:
While warm water can help remove grime, using very hot water can damage your car’s clear coat or even crack glass in extreme conditions. Lukewarm or cool water is safest for most situations.
Myth 5: Automatic car washes will always scratch your car.
Fact:
Older or poorly maintained automatic car washes may scratch your car, especially those with stiff brushes. But modern soft-touch or touchless systems are designed to be paint-safe. Still, it’s a good idea to check reviews before visiting a new wash.
Myth 6: Waxing your car is only for looks.
Fact:
Wax doesn’t just make your car shiny—it protects the paint from UV rays, bird droppings, and moisture. It also makes future washes easier by preventing dirt from sticking.
Myth 7: Rain counts as a free car wash.
Fact:
Rainwater contains pollutants that can leave water spots and acidic residue on your paint. After rain, it’s actually a good idea to wash your car to remove contaminants.
Myth 8: The more soap, the better the wash.
Fact:
Too much soap can leave a residue and may actually make rinsing harder. Use the correct ratio as recommended on the product label.
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If You Plan to Travel Overseas, Here’s How to Secure Your Home Before You Leave
Securing your home before going overseas is critical to protect it from burglary, vandalism, and even environmental damage (like leaks or fires). Here’s a comprehensive list of the most effective ways to secure your home while you’re away:
- Make It Look Occupied
Burglars target homes that appear empty.
- Smart lights/timers: Program lights (and even TVs or radios) to turn on/off to mimic daily routines.
- Mail and deliveries: Put a hold on mail or ask a neighbor to collect it. Don’t let packages pile up.
- Lawn care or snow removal: Arrange for regular maintenance.
- Parked car: Leave a car in the driveway, if possible.
- Fortify Entry Points
Most burglars enter through doors or windows.
- Deadbolt all doors and reinforce them with a door jamb reinforcement kit.
- Secure windows with locks and/or window security film.
- Smart locks: Allow you to control access remotely and monitor activity.
- Garage door security: Disable or unplug automatic garage openers and lock any side doors.
- Install a Smart Security System
Surveillance is both a deterrent and a monitoring tool.
- Cameras: Install indoor/outdoor cameras with motion detection and cloud access.
- Alarms: Get a monitored security system (preferably one that alerts you and authorities).
- Door/window sensors: Detect unauthorized openings.
- Motion detectors: Especially near entry points or in hallways.
- Automate and Monitor Remotely
Smart home tech helps you stay connected and responsive.
- Smart thermostats: Control temperature and prevent frozen pipes (winter) or overheating (summer).
- Water leak detectors: Can prevent costly damage if a pipe bursts.
- Smoke/CO detectors: Make sure they’re working and consider smart versions that alert you remotely.
- Inform Trusted People
- Trusted neighbor or friend: Ask someone to check in regularly, take out bins, etc.
- Leave a key with someone responsible — not under the mat.
- Share travel details only with people you trust; don’t overshare on social media.
- 6. Don’t Broadcast You’re Away
- No public social media posts about travel until after you return.
- Adjust voicemail/email replies to sound professional, not like you’re away for long.
- Be cautious with automated out-of-office messages that reveal your absence.
- Preempt Maintenance & Emergencies
- Turn off water at the main if you’re gone for weeks/months.
- Unplug electronics to reduce fire risk.
- Clean gutters to prevent water backups.
- Ensure HVAC and sump pumps are functioning properly.
Bonus: Do a Final Walkthrough Before You Leave
Create a checklist and do a room-by-room inspection:
- Doors/windows locked?
- Alarms set?
- Smart devices connected?
- Garbage taken out?
- Valuables stored out of sight?
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