[dalke]

I knew that credit card companies offer some auto coverage as well, but didn't realize until I researched it now that it doesn't include liability insurance.

One of my contracts once required that I have $1 million in insurance company to work for them, including coverage for any employees traveling related to the work. That was 10 years ago though, and 1) I don't recall if the insurance included liability insurance, and 2) I think it only covered travel related to business, so while an odd-ball thought, it probably won't work for you.

What do the people in the NE (NYC, Boston) do? I thought that quite a few don't have cars but instead rent them for trips or for moving. Surely a number of them are in the same boat.

It seems that non-owner liability policies do exist; so says http://www.caranddriver.com/reviews/do-i-need-insurance-to-r... . For that matter, GEICO mentions the possibility at http://www.geico.com/information/aboutinsurance/auto/insight... .

And http://www.carsdirect.com/car-insurance/can-i-get-car-insura... "Every insurance provider is required to offer non owner car insurance, so you shouldn't have a difficult time finding this insurance if you need it. Well known providers such as State Farm, GEICO or Progressive are providers you might consider. Some banks offer auto insurance, so those that do will also be able to offer non owner car insurance." ... "Non owners insurance quotes are available from all of the major insurance companies. Progressive, Geico, State Farm, and Nationwide are just a few insurance companies that offer insurance coverage to people who do not own cars. You can also get quotes from insurance consolidators like esurance or netQuote."