Dear Sir, I am going to be starting a snow plowing and salting business in Northern NJ. What is the going rate for residential plowing and salting and how do you figure out how much to charge. How much does the rate increase when as the total number of accumulation increases. Finally what insurance do I need for plowing and salting in NJ and what will that cost per year. I do not have commercial plates, should I get them or can I do it without? Any addtional information is greatly appreciated! Happy New Year. Sincerely, Craig D.