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It's pretty unlikely you'll be able to find the exact location of the problem with a just a basic meter. Your 4 - wire cable will have a bare (ground), a white (neutral) and 2 "HOT" wires (red and black). You could determine if both "HOT" wires are damaged by unhooking first one and then the other wire from the breaker and see if it still trips with only one or the other wire hooked up. (Be safe, make sure power is "OFF" before messing with wires!) Lacking an underground wire fault tester, you can try hooking up an electrically noisy device (such as a drill or other tool with a "brush-type" motor) to first one and then the other "HOT" wire at the breaker (other wire to "neutral") and then take a cheap AM portable radio, set for maximum "noise", between stations, and follow along the underground wire. If you are lucky, and the wire is not buried too deep, you MAY be able to notice a change in the electrical noise picked up by the radio as you pass it by the shorted area. That being said, in my experience, 90% of the time there is trouble with an underground wire, it is at either end, where it enters or leaves the ground. It may be damaged or chafed where it bends upwards into the conduit, or it may be damaged by the ground settling near the foundation at either end. Be SURE the wire is powered down, and dig up a couple of feet at both ends, and look for any damage. Otherwise, you'll probably have to get someone with a tester that can "ring" the wire and determine how many feet from the end the fault is.
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