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Getting a Replacement Auto Key Fob These small devices make driving easier. If they're lost or broken, you may have to shell out a significant amount of money for the replacement. Check your car insurance policy or auto club membership to see whether they will cover the cost. You may also be able to skip the dealership altogether and instead go to an independent shop. Cost When you lose the car key fob, it could be a costly and frustrating experience. Depending on the make and mod