Car insurance

What car insurance do you own? Every year i go to registration of my car and put the same question to myself: what insurance to take?? there is allways tons of groups that tells me to make my car as safe as possible with insurance.But if you think a little thats a waste of money isnt it?? I have never been in some cae excident or something like that so for me its waste of money. I think the best think to do is to put some degree of safety in your head and you will have best health and car insurance you can imagine.