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You need to move.
I'm not kidding. It's not just the car. From what you've said, it's obvious you're under constant low-level stress as you worry about what your dipshit neighbors are going to do next. That kind of stress seems manageable in the short term but will take its toll on you over time. You need to GTFO now so you can relax and feel safe in your own home.
Also, even if it's not your fault, repeated insurance claims can cause your rates to increase. You're obviously in a high-risk area for property damage. It makes perfect sense for an insurance company to charge you more to live there if they're going to have to pay out more in claims as a result.
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