No thanks, just care for your phone and have insurance on it. My last 10 plus phones i have not used a case or screen protector and have had zero issues. I have sold all of them up to my Current Note 2 like they were still in new condition when sold.
Just take care to keep it in your pocket, when you get out of the car don't have it sitting on your lap, or in a loose hoody pocket or something it can fall out of easy. Taking a extra 1/2 a second to realize where your $500 plus phone can do wonders on keeping it safe and looking like new.
That said i am sure my Note 2 will get smashed soon after this post.
People actually waste money on cellphone insurance?