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Getting a Replacement Auto Key Fob These handy little devices make driving easier. If they are damaged or lost, you may have to pay a lot of money for the replacement. Make sure to check with your auto-insurance policy to see if it covers the costs. You may also be able skip the dealership altogether and go to a local shop. Cost When you lose the car key fob, it can be an expensive and frustrating experience. Based on the make and model of your car you may need to replace it with a dealer or buy a new one on the internet.