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Getting a Key Replacement Car Key Isn't As Costly As You Think Everyone knows someone who is constantly losing their car keys. Finding a replacement key or key fob doesn't need to be as costly as some people believe. Start by checking your owner's manual and see whether you can reset the key fob by yourself (usually involves pressing a few buttons in a certain sequence). Check your car insurance policy or bumper-to-bumper warranty to determine if it will cover the cost of a replacement