Driving under the influence (DUI) of alcohol or drugs in Connecticut can have significant consequences. A first offense can result in up to $1,000 in fines, up to 6 months in jail, and a 45-day license suspension. On top of that, you will likely experience changes to your auto insurance premiums. Below is a look at how a DUI affects rates and coverage. 

A DUI conviction indicates to insurance companies that a driver is prone to taking risks behind the wheel, possibly resulting in increased claims and payouts. The insurer will raise the driver's premiums to offset this increased risk—and the change can be substantial. In Connecticut, the average increase per policy term after a DUI conviction is $1,387.

Depending on the severity of the DUI charge, an insurer may deem the driver too great a risk and cancel their coverage. If this happens after your arrest or citation, you'd have to find another carrier, most likely one that specializes in high-risk auto insurance coverage. Driving without insurance is considered a Class C misdemeanor in Connecticut, which is punishable by additional fines, jail time, or a combination of both.

You can reduce your premiums after a DUI in several ways. First, complete a defensive driving course that emphasizes responsible behavior and safety behind the wheel. You may also want to install safety features that reduce your insurer's overall risk; airbags and anti-lock brakes are often standard in cars, but you can add an upgraded alarm or anti-theft system. 

You can also increase the policy's deductible, which means you pay more out-of-pocket before the insurer starts contributing toward a claim. You can also reduce your coverage amount as long as it still meets any state requirements or waive optional forms of coverage. Buying multiple policies from the same carrier, such as home and auto coverage, can also make you eligible for a bundle discount.

If you need affordable auto insurance after receiving a DUI, contact Action Auto Insurance Agency in New London, CT. They have served New London County and the surrounding areas for more than 30 years. As an independent brokerage, they can search through their extensive provider network to find you the best coverage at the cheapest rates. Learn more about their services online, and call (860) 444-7224 to request an auto insurance quote.