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Getting a Key Replacement Car Key Isn't As Costly As You Think Everyone knows someone who is always losing their car keys. It's not as expensive as people think to get a new key or key fob. Check your owner's guide to determine if the key fob can be reset yourself (usually involves pressing a few keys in a certain order). Then look into your car-insurance policy or bumper-to-bumper warranty to determine if it covers the cost of a replacement. Keys that were stolen or lost are not found In the past