When I clear driving record auto insurance cheaper?

Yes, I live in Omaha, NE, and I’m 18 and I’ve been in two wrecks with three seats. I am 19 years old in two months. I am happy to borrow from a golf car to buy new cars, but my insurance is crazy high as $ 1000 per month? are those that go down when I turn 19 or are they a way to get it cheaper? If my name is right on the car could be insured under my mother or someone? please help

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