Have you looked at the "Wizards" product line. They have a pint sealant that works extremely well in all kinds of weather. The winter snow and road crud seems to wash off easily and the summer collecdtion of bugs and bird stuff is easily removed.
I use their Sealant called "SHINEMASTER" and their detail spray that is called "MIST-N-SHINE". Go to their website and check them out.
www.wizardsproducts.com
If you have to go to a body shop when the accident does happen, the sealant is easily removed and the new paint work is not ruined.