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Keys Replacement For Cars If you have a basic mechanical key you should be able to get a replacement at any hardware store for affordable. However, the key must be programmed by a locksmith or dealer. Smart keys are more complex and require a visit to the dealer to connect them to your vehicle. These kinds of keys can be costly, but some car insurance companies cover the cost. can still purchase mechanical keys for cars which you insert into the ignition lock cylinder to start your car. I