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How to Get a Replacement Car KeyThe loss of a car key could be a frustrating experience. It could also be costly depending on the type of key you have.The easiest way to get an exchange is to contact an auto locksmith. This is usually a cheaper and faster option than calling roadside assistance or an auto dealer.CostA few years ago, losing your car keys was not a big deal. You could just visit the local hardware store to purchase a replacement key. Today, the process is much more complex and expensive. It's because cars are technologically advanced and their keys are also more advanced. This may make them more secure from theft however, it also makes them more expensive to replace.The cost to replace keys for a car that have been lost will differ based on the model, year and make of your vehicle. Many modern cars come with keys that include a transponder chip in them to protect against theft. These chips need to be connected to your vehicle. This usually requires a locksmith or dealer. The cost will vary depending on your car type however, it could be as high as $200.Some modern cars also use laser-cut keys that need to be programmed using a specific machine that is only available at dealerships and auto locksmiths. The cost of a spare key in this kind of lock could be as high as $100.Another aspect that can affect the cost of a lost key is the location you live in. It is likely that you will have to pay more for services if you live in a remote area because the locksmith and tow truck have to travel far to reach you. A locksmith will also charge extra for work done on weekends, holidays or after hours.You can reduce the cost of replacing keys to your car by keeping a spare one at home or in your wallet. Keep your car's title or registration papers on you. These will be required to prove ownership should you need to contact the dealership to request a new key. You can also contact your roadside assistance service. They may be able to offer you a temporary replacement, depending on their conditions and terms.TimeIt can be frustrating to lose your car keys, however it's important to not panic. First, take a moment to search for your keys to your car in a convenient place like your purse or pocket. Then, walk back through your day and try to remember where you might have put them keys. This will help you remember if you've lost them, or if they are still in your car. It's probably time to replace your car keys if you are unable to find them.The majority of newer vehicles have a remote key fob that utilizes the code to unlock and start the car. This type of key needs to be programmed with the specific vehicle you own, and this is typically a task for an expert. Contact an auto locksmith and bring proof of ownership.Old-fashioned metal keys for cars are much more simple to replace than remote key fobs. key replacements for cars are 100% mechanical and easy to duplicate. A locksmith in your neighborhood can replace your lost key on spot. They can also duplicate the ignition cylinder of your vehicle, which is an extra cost. If you want to make copies of your old keys for your car, visit an establishment that specializes in cars to have them made quickly and inexpensively.If your car keys are beginning to look worn, you should consider replacing them. The teeth on the keys and the lock's cylinder may be worn down by the use of the keys over time, making it difficult for them to align correctly with one another. If the key begins to become stuck in the lock, it's an indication that it's time for a replacement.If you have a newer vehicle and it's an expensive model, the key might need to be programmed by the dealership. This is a complex job that is costly and take a considerable amount of time to complete. Based on the model of your car you might be able to have the work covered by your car warranty or car insurance.AccessibilityEven if your driving skills are excellent, you can still lose your keys. This can be a huge pain, especially when it happens at the most inconvenient times, like when you're at a gas station or at the grocery store and you're just trying to get home. Fortunately, there are several options to replace your lost key. You can locate a locksmith, contact roadside assistance, or call your insurance company.First, you'll need to determine the type of key you're using. This is important since the different vehicles use different types of keys. Some keys are old-fashioned and only lock with the key cylinder. Some keys have a chip which communicates with the vehicle to open doors and start the car. Some of these keys can be changed by an auto locksmith, while you may need to visit a dealer to purchase one from the manufacturer if yours is smart keys.You must first read the manual, or contact the dealer for instructions on how to program the key for your vehicle. You'll need proof that you own the vehicle, and then wait for a few more days for the dealer to request the replacement. This process requires you to bring your vehicle to a locksmith, or another service provider to get it programmed. It is not the best choice for those who are unable to move or have tight schedules.If you have a spare key the process is much simpler. You can usually buy an online replacement key for a relatively low price depending on the model of car. If your keys have transponder and key fob element, you'll need to consult a professional who is qualified to have them replaced and programmed. Depending on the brand and model of your vehicle, this may mean getting a tow to the dealership or letting a locksmith do it for you.Another way to get a new car key using a bluetooth tracker. These tiny devices can be affixed to your keyring and emit an electronic signature that can be retrieved using an iPhone with an application installed. The app will display the location of your key so you can easily locate it.InsuranceCar insurance typically does not cover the cost of lost keys. There are exceptions. Many of the best car insurance companies committed to customer satisfaction offer add-on coverage for things like lost keys. It's typically an extra cost, but it can be cheaper than paying out from pocket for key replacement costs.Whether or not insurance for cars covers lost keys is contingent on the specific policy and deductible. Most traditional metal keys are easily replaced, but those with an electronic fob or smart key is more difficult. These keys are laser cut and utilize computer chips that transmit an electronic signal to your vehicle. They are therefore more difficult to replace than keys made of mechanical. They are also more expensive as you will need to pay for a locksmith as well as the key itself.Think about using an auto club service or roadside assistance to save money when replacing a lost key. These services may offer discounted rates for locksmiths, and they may even reimburse you for the cost of a replacement. Some of these companies offer emergency lockout assistance which can be beneficial for those who are in a hurry and have to get back on the road.You can also call your dealership to see if it can help. Locksmiths are usually on staff at the majority of dealerships, and may be able make keys for you at a reasonable price. If the dealer has to purchase a new key for your specific model it could take several days. Keep all receipts and other documents whatever method you decide to use. This will allow you to file a claim if needed with your insurance company.Although it's not an enjoyable experience, losing your car keys could happen to anyone. There are ways to minimize the consequences. While the cheapest and fastest method of replacing your lost car keys is to call an authorized locksmith in your area, it's important to weigh the financial benefits against the time involved and possible deductible payment before making a claim with your insurance company.