As an experienced locksmith, I have dealt with countless cases of individuals losing their car keys and needing a replacement. It is a common and frustrating occurrence that can happen to anyone, and it can also be quite costly. In this article, I will share my expertise on the actual cost of getting a new key made without the original and the various factors that can influence it. Firstly, it's important to understand the difference between two types of car keys: the smart key and the transponder key. A smart key is a remote control that allows a car to start with the push of a button when within range.
On the other hand, a transponder key has an implanted chip that is programmed for a specific vehicle. Since 1995, most cars have been using transponder keys for added security. If you have lost your car key and need a replacement, your insurance company will inform you about the cost of the replacement. However, this only applies if you have comprehensive coverage that includes lost or stolen keys. If you live in an area with numerous locksmiths and dealers, your insurance company may not cover the cost as they cannot actively compete with each other. The price of a replacement key can vary significantly depending on your location and the type of car you own.
Some dealers may offer special deals for this service, so it's worth checking with them before making a decision. When it comes to programming a new key, older cars are generally cheaper as they do not require specialized systems. However, modern cars often have advanced security systems that make it more challenging to unlock them without setting off alarms or altering the security system. This means that programming a new key for these cars can be more expensive. There are three main factors that can influence whether or not your insurance company will cover the cost of a new key. Firstly, it depends on your insurance coverage and if it includes lost or stolen keys.
Secondly, the type of car you have and its security system can also play a role. And lastly, your location can affect the price as well. If your insurance does not cover the cost, you can always call a local locksmith to open your car and program a new key for you. This service usually costs a few hundred dollars, which is significantly cheaper than going to a dealer. Speaking of dealers, they may charge you more for simply replacing a key and cutting a new one. This is because they have to order the key from the manufacturer and add their markup to cover their expenses.
On the other hand, a car locksmith can program a new key for you on the spot, saving you time and money. When getting a new key made, it's essential to have an image of the old key and the keychain (if it had one). This will help the locksmith determine the correct shape of the key and ensure that it works with your car's ignition. It's also recommended to get a new key with a key ring as it is more convenient and secure.
