Since you have 4 cars and 2 drivers, are 2 cars listed as 'pleasure vehicles'? That is how I have mine set up and it is a lot cheaper that way. The Blazer is my DD and the Camaro is the pleasure vehicle (which I drive almost all the time in the warmer months).
Back in 99' I only had the Camaro and I bought a Jeep for the winter and it was cheaper for me to insure the Jeep as my DD and the Camaro as my pleasure vehicle than it was for just the Camaro as my DD. Plus you can turn off the insurance on the pleasure vehicle during the winter months and save more money.
