James George Ward

Smart Coverage, Built Around You.

From Custom Coverage to Continuous Care — Experience Auto Protection the James George Ward Way

01.

Personalized Assessment

We begin by getting to know your unique driving habits and coverage needs, enabling us to create a personalized insurance plan tailored specifically to you.

02.

Customized Coverage Options

Once we've evaluated your needs, we offer a selection of personalized coverage options crafted to deliver optimal protection—all at competitive, budget-conscious rates.

03.

Ongoing Support and Service

Once your policy is active, our dedicated team provides ongoing support for any questions, updates, or claims—keeping you protected and informed at every stage.

04.

Transparency Without the Jargon

You won’t find confusing terms or hidden upsells here. James George Ward delivers clear, straightforward information, empowering you to understand your rights, responsibilities, and options on your own terms.

Protection Without the Guesswork.

Navigating vehicle protection options—whether for your daily driver or a growing fleet—can be frustrating and confusing. Between fine print, fluctuating prices, and coverage you may not even need, it’s easy to feel overwhelmed or unsure about what’s right for you. If you’ve ever felt stuck trying to figure out how to protect your car without overpaying or getting lost in sales speak, you’re not alone.

That uncertainty can lead to hesitation—and hesitation can lead to costly repairs, stress, or lost time when the unexpected happens. Whether you’re facing a sudden breakdown, preparing for long-term use, or managing multiple vehicles, not having the right coverage can leave you vulnerable when you need support the most.

That’s why James George Ward Auto Protection was created: to simplify the process and give drivers real, straightforward coverage options that actually make sense. No gimmicks. No pushy upsells. Just honest, flexible plans and clear information designed around real people, real vehicles, and real needs. With customizable protection, transparent pricing, and helpful support from day one, you’ll get the confidence to drive forward—knowing someone’s got your back, mile after mile.

Protection That Works for You — Everyday Plans by James George Ward Auto Protection

Whether you’re driving solo or managing a growing fleet, Molinise Digital Auto Protection offers flexible, budget-friendly coverage tailored to your unique needs. From essential liability plans to comprehensive commercial protection, we make it easy to stay secure and confident every mile of the way.

Individual Protection Plan

1. Essential Plan – $45/month
Perfect for meeting state minimum requirements.

  • State-Mandated Liability Coverage

  • Bodily Injury & Property Damage

  • 24/7 Claims Support

2. Everyday Protection – $75/month
Our most popular plan for everyday drivers.

  • Liability + Collision & Comprehensive Coverage

  • Uninsured/Underinsured Motorist Coverage

  • Roadside Assistance Included

3. Elite Coverage – $110/month
Premium protection with added peace of mind.

  • Full Coverage + Rental Car Reimbursement

  • Glass & Windshield Protection

  • Accident Forgiveness

  • Gap Insurance Coverage

All plans are backed by James George Ward — designed for real drivers, real coverage, and real peace of mind.

1. Small Business Plan – $95/month per vehicle
Ideal for contractors, gig workers, and mobile service providers.

  • Commercial Liability Coverage

  • Equipment & Tool Protection

  • Hired & Non-Owned Vehicle Coverage

2. Fleet Plus – Custom Pricing
Customized coverage for businesses with 3 or more vehicles.

  • Advanced Fleet Management Tools

  • Flexible Deductible Options

  • Driver Screening & Background Checks

  • On-Site Policy Reviews & Annual Coverage Audits

3. Rideshare Pro – $68/month
Specifically designed for rideshare and delivery professionals (Uber, Lyft, DoorDash, etc.).

  • Hybrid Personal + Rideshare Coverage

  • Passenger Liability Protection

  • Gap Time Coverage (app on/off duty)

Save even more with discounts for safe driving, multi-vehicle bundles, and electronic payments.
Powered by James George Ward — business-ready coverage that works as hard as you do.

Business Protection Plan

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