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How to Find a Replacement Car Key With Fob You will not have to worry about replacing your keyfob by having an extra key. Check your car insurance policy, club memberships or extended warranty to cover key fobs. The majority of dealerships will replace keys however the process could be costly and time-consuming. It is not recommended to use an aftermarket key that has compatibility issues. Traditional Keys Keys of the past -- like those used to unlock your padlock or door lock at home -