I need auto insurance

It only covers you, when you use a vehicle not owned by you, or any of your household members; and the vehicle must not be available to you for regular use.

Agents don't like to sell this, for two reasons: 1. it's a pain to write, as pretty much you have to go through the state auto fund of whatever state you're in, and you don't make nearly enough money to cover your costs in writing it and 2. most of the time, people are buying it for the wrong reasons, thinking that it's going to get them out of paying more money to insure them the right way – in other words, claims get DENIED, because people are driving regular use or household member vehicles without being listed.

In any case, you'll have to talk to a local agent about this. Don't try "do it yourself" insurance. If you're not an agent, you're probably misunderstanding something.