Not all major insurance companies offer unoccupied insurance. Those that do will charge a hefty premium. Contact an agent to discuss options and obtain quotes.

There are many websites which offer comparison services between the major insurance dealers. Look out for one that is free to use and offers a hefty discount if you purchase insurance through them.

to better protect yourself from a lawsuit or from hefty repair bills.

Refer to your State Insurance Regulations or ask your Insurance Agent. Insurance is regulated by each of the 50 states and the penalties will vary depending on where you live. Generally the first time or anytime penalty for driving without insurance is a hefty fine and drivers license suspension.

I do not have a particular website to answer your question. I do know, however, that if you drive with no auto insurance it is against the law. Also, if you do get in an accident you are not covered for your injuries. Also, if the accident is your fault, you can get a hefty lawsuit served in your name. Keep shopping for cheaper insurance. Do not drive without auto insurance.