In most states the experience period is 3 years so all accidents and violations in a 3 year period will be used in the determination of your insurance premium. Some states allow up to 5 years of history to be used.
Car insurance companies look at the location where your car will be parked overnight (your neighborhood), your driving record, your age and the type of vehicle your own. Drivers under twenty-five usually have higher insurance than older drivers. Most car insurance quotes hinge on your neighborhood and your driving history. If you live in an area where cars are stolen or damaged a lot, your insurance will cost more. If you have a lot of speeding tickets your insurance will be high. If you have a lot of accidents or DUIs you might not be insured at all.
All it takes is 1 really. Speeding tickets and at fault accidents will couse your rate to rise for sure. Your driving history when reviewed will affect your increases if any. For example, if you've been violation free for 5 years and one day get a speeding ticket, the insurance company probably won't hike your rate at all if you've been with the the entire time.
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
Chances are the insurance company already knows about your driving history and how many tickets one has received. They get reports like this on a regular basis, or can find out rather quickly on their own. As long as they haven't cancelled your policy, there should be no problems with paying claims. Call your agent, asap.
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