Car purchased, question about insurance

Hi, my search has an end 😉 I bought this morning an A4 Avant year 2010. I have a question when choosing the insurance. Is it worth it such a discount protection in the liability and to include all-inclusive additionally? In my case this would cost 65 euros a year and I would have had to stay with the insurer an accident in the liability and completely free without being upgraded… Drive yourself 10 years accident-free and am skeptical if the 65 euros annually It’s worth it…