Write insurance we're force to pay off on our taxes

I think that one should be able to write ones insurance off on ones taxes, and recieve compensation for any and all unused moneys paid. Example: If you paid 1,500 dollars in car insurance, and you used 400 of it, You should recieve 1,100 dollars back on your federal tax return. I don't believe it's fair to force on to pay into a 'bottomless pit', for lack of a better word, without ever seeing any return on that investment because "Just in case"

thank you for you time.