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Car Key Fob Cost - How to Keep Your Costs Down A car key fob is a small device that transmits a signal to the vehicle of the driver. It allows them to lock and unlock the doors, turn on the motor, and many more. The fobs are typically replaced by locksmiths for automotive use. However, a device that needs to be programmed requires special equipment, which means visiting a dealer is usually the only option. Check your warranty, insurance, and roadside assistance to see if the cost is covered.