The cost of your food truck insurance is going to differ depending on a number of factors, so it's very hard to even give a range. Progressive notes that general business liability coverage sold through their Advantage Agency in 2020 averaged around $53 per month.
Car Insurance Costs
Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most cases.
Car Insurance Costs
You should be able to get your own plan. Because you are in New Jersey, all people in the same household must be on the policy unless you can show proof the other people you live with are insured elsewhere.
I would call up your local DMV or appropriate state department and ask them what to do. Most states allow you to pay a small fee and show an out of state status and they will issue you a temporary paper plate for the vehicle to be relocated.
Insurance companies (depending on your policy and whether you have replacement cost value coverage) are obligated to bring your property back to its previous state, but no better. This, in theory, means that it should be no worse as well.
Switching insurance companies won't necessarily raise your rates as long as it doesn't result in a lapse in coverage. Accidents and violations can stay on your record for up to five years, so your past infractions from six years ago should not affect your rates.
You will need to get a commercial policy since you will be a delivery driver. If you were going to drive for a ride share company you could get a personal auto policy with an endorsement to drive for ride-share.
No, your rates should not change by putting the car in your son's name if he is already listed on the policy. Who the car is registered under does not impact the rate at all.
Coverage & Claims
Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle.
Your homeowner's insurance will typically pay to repair the damage to the property. They don't pay to make sure the stain matches.