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Getting a Replacement Auto Key Fob These small devices make driving a lot easier. If they're lost or broken replacing them could cost you a lot of money. Check your auto insurance policy to determine whether it covers the expenses. Also, you may be able to skip the dealership altogether and go to an independent shop. Cost If you lose your car key fob it could be a costly and stressful experience. Based on the make and model, you may need to replace it at the dealership or buy a new one from