If you don t need to use car assuarance ,csn you receive some money back when you buy another car ?when you are old ,etc? Or is that a?

If you buy another vehicle you transfer your insurance to the newer vehicle. The rate may change, but usually it goes up a bit.

there is no money back on those

No you will not receive money back if you were to buy a new car. That is money that you will never see again. Car insurance is great to have especially if someone were to hit you. Their insurance would pay for the damage but in return jack up their monthly payment.