If I paid too much for car insurance, but later find a lower price that I paid?

I have paid the insurance for a crazy price for a year if the payments could not receive higher prices.

If I need an insurance that is cheaper, I get paid money to cheaper insurance?
No, he can not be transferred to a different policy. But any unused money would be refunded. Remember, if you cancel the policy early, you may be subject to cancellation fees and penalty rates in the short term.