The Loyal Member® Discount is only offered on certain policies as follows: Delaware: (2%-15%) AAA Mid-Atlantic Insurance Company policies only. Maryland (3%-22%): Keystone Insurance Company policies only. New Jersey (3%-20%): AAA Mid-Atlantic Insurance Company of New Jersey policies. Pennsylvania and Virginia (3%-20%): AAA Mid-Atlantic Insurance Company tiered policies only. You must be a AAA member for ten years to qualify for the Loyal Member® Discount in DE. Coverage not available in DC. Auto insurance underwritten by AAA Mid-Atlantic Insurance Company of New Jersey is available to AAA Members only.