My guess by family of 4 you mean two young adult children, which will significantly increase your rates, especially if they are male.

How many miles do you drive and what cars do you have? Do you mean four cars?! What cars.

I have two cars, an outback and a golf. Yes we do have two teenage drivers which of course is expensive, but they've had no accidents or tickets. We drive maybe 20K miles per year all together.