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Doubt many people purchase those stupid little protection plans the dealership tries to sell you when you buy your car, but one thing I did go for was this ding coverage from Dent Wizard. You're covered for 5 years for any dings/dents smaller than a credit card. They'll come to your house or wherever your car is to take care of it for you. I look over my car every so often, to see if I can find a reason to badger the poor guy.
Don't remember how much it costs off the top of my head, but I think 5 or so dings should bring you out on top. Personally, I'm still in the negative, but it's really nice not giving a crap about that stuff when I leave my car in the parking lot.
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