Some use a UV to protect, some don't. I don't (except when using my unsealed 17-40 near water spray). I sure wouldn't invest $ in protecting the 18-55 kit lens.
A polarizer is very useful. You want a circular polarizer. I use B+W multicoated. Another good brand that has reasonable respect is Hoya multicoated. These are relatively expensive (at least half the cost of your 18-55), but they will last forever. Cheap filters give mediocre optical results at best.
I have always used UV protectors. If I was a pro I would probably not bother as you can just write of the cost of repair and replacement against tax. The lens system I am building up now will have to last until the end of my days I expect.
It has saved damage a few times. Danger areas are:
Walking into something with the lens cap off whilst reframing.
Small kids putting sicky corrosive things all over them when photographing them (the kids not the corrosive things).
Macro work where you may be in close contact with the undergrowth.
If you only do studio work or landscape from a tripod I guess it is less of an issue.