List your wife and daughter as primary drivers of the cars they regularly drive and occasional drivers of others. If the company finds that you have been lying to them when you have a claim, you may discover that YOU HAVE NO COVERAGE and all the premiums you have paid were just a gift to the company.
The premium charged for auto insurance is determined by a number of factors. These include the identity, age, driving history, and other factors pertaining to the primary driver listed on the application. It is his/her operation of the vehicle that is principally covered by the policy. However, if it is the insured's expectation that another person will periodically operate the insured vehicle, that other person should be identified on the application, and be included in the scope of the policy issued as an "additional driver". Normally, an additional premium will be charged to account for the risk factors presented by that person's use of the vehicle.
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