Look at your history with cars - have you bent a wheel before? If not then I'd skip the insurance.
You could always try vinyl wrapping the mirror housings. That's a low-cost solution that you can do yourself. (And you'd get to learn about vinyl wrapping if you haven't done it before.)
Charles
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2024 BMW M3 Sedan Frozen Pure Grey II/Fjord Blue, 6MT
Past: 2021 Z4 M40i Frozen Grey II/Black Alcantara | 2017 F30 340i Mineral Gray/Coral Red, 6MT | 2011 E92 335i Le Mans Blue/Black, 6MT
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