Typically if you pay the fine in 10 days, there is none.
If New Jersey has reciprocity with Wisconsin then yes it can and will affect your records. Remember, if something shows up in your drivers history, it is visible to the insurer. There's an automatic transfer of 2 points for out-of-state speeding tickets in Jersey. http://www.njtrafficlawcenter.com/out_of_st.htm
Yes, tickets received in New York will count against your New Jersey record for points and insurance increase. You need to contest the ticket and see if you can get it reduced or dismissed. Here is a site with information on New York Speeding tickets http://www.speedingticketcentral.com/New-York-speeding-ticket.html
The number of points have nothing to do with an insurance claim. If you are asking about a company refusing to give you auto insurance, it depends on your state and the individual insurance company. For example I have received reports of one company refusing to renew any driver with a 20mph over the limit ticket.
Virginia does report to New Jersey and NJ will post it to your record. Normally it will result in two drivers license points but there may or may not be more insurance points for setting your auto insurance rates. As a general rule you should fight your ticket since NJ has the highest auto insurance rates in the nation. You can find a VA traffic attorney at the link below
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