Do I get some money back in case my driving and insurance record where perfectly clean and you're no longer driving a vehicle?
Unfortunately, this is only a wish many of us have when realizing how much money we have paid for car insurance. If you're no longer a driver then you don't need car insurance and thus don't pay for anything.
The money paid to the insurance companies for auto insurance is a service fee that assures certain protection against certain perils. Depending on the types of coverage your policy carried, you could be financially protected against liability, bodily damage, natural disasters, collision with animals, etc.
And if you had the luck of avoiding claims all the time you've been behind the wheel, then chances are that you had very good insurance rates. Still, you had the protection you needed all the time and it would be provided if there was a need in it, so you can't ask anything from the company. You don't ask your money back for health insurance just because you didn't go to the doctor, right?
