Re: Car insurance for cruisers
Very few auto insurers will issue what you want, which is called a "liability only" policy, to new customers. All insurers treat existing customers differently from newcomers, and since "liability only" with no car is an unusual request, most would rather not write it.
You might try asking a broker on this, rather than directly. Could be that if you buy a beater and simply don't get collision/comprehensive insurance on it, you'll get a better deal on the liability coverage. If you have insurance on your boat--speak to those folks, they might not be so upset at the concept.