Why Car Locksmiths Should Be Included in Your Auto Insurance Coverage

October 7, 2024
Written by C&S Insurance

Auto insurance is often associated with accidents, theft, and liability, but one crucial service many overlook is locksmith assistance. Whether you’re locked out of your car, lost your keys, or dealing with a broken lock, a reliable locksmith can be invaluable. Adding locksmith services to your policy not only saves you from unexpected costs but also offers peace of mind when you need it most.

The Hidden Costs of Car Lockouts and Lost Keys

Car lockouts can turn into expensive situations. A basic unlock service can cost between $60 and $150, but if you’re locked out after hours or in an emergency, you might pay $200 or more. Replacing a lost or damaged transponder key can cost anywhere from $250 to $500, especially for newer models. For luxury cars, replacing a smart key could run up to $700.

The cost of losing your keys doesn’t end with replacement. If you drive a car with a keyless entry system, reprogramming the new fob can range from $100 to $250. And if the lock or ignition gets damaged during a lockout, repairs could cost another $200 to $500. These hidden costs can quickly add up, which is why having locksmith services included in your auto insurance is a smart choice.

How Car Locksmiths Can Help in Emergency Situations

Imagine you’re stuck in a remote area or late for an important meeting and realize you’ve locked your keys inside your car. In these stressful moments, a locksmith becomes a lifesaver. They’re trained to deal with all types of lockouts, from traditional locks to advanced keyless entry systems.

A locksmith can typically reach you within 30 to 45 minutes, evaluate the situation, and unlock your car without damaging the security system. If the issue involves a malfunctioning ignition or a broken key fob, they can often resolve the problem on-site, saving you from costly towing or long waits at a dealership. If your insurance covers car locksmith services, these emergencies are often fully covered, saving you time and money.

The Benefits of Adding Locksmith Coverage to Your Auto Insurance Policy

Adding locksmith services to your auto insurance policy can significantly reduce the stress and costs of dealing with a lockout or key issue. Here’s how:

  1. Lower Emergency Costs: Without locksmith coverage, emergency services can result in unexpected expenses. With coverage, you avoid these extra costs.

  2. Faster Assistance: Insurance providers often work with trusted locksmiths who prioritize urgent calls, ensuring quicker response times.

  3. Key Services Included: Coverage typically includes key replacement and reprogramming, saving you from additional fees.

  4. Simplified Process: Locksmith coverage streamlines the process by handling everything through a single insurance policy, making it more efficient.

  5. Improved Vehicle Security: Locksmith services may also cover repairs for damaged locks or security system issues, ensuring your vehicle stays secure.

  6. Stress-Free Emergencies: With locksmith services covered, you don’t have to worry about extra costs or long waits, allowing you to quickly resolve emergencies.

How Auto Insurance Providers Are Adapting to Changing Needs

As cars become more sophisticated, especially with features like keyless entry and push-to-start systems, insurance companies are evolving to meet the new challenges. Many insurers are now offering coverage that includes services for electronic lock systems, addressing issues like malfunctioning key fobs or reprogramming needs. This coverage can help offset the high costs of replacing or repairing modern security features, which can sometimes exceed $1,000.

To keep up with the demand for quick solutions, some insurers are offering subscription-based services that bundle locksmith help, roadside assistance, and access to a network of specialists. These services are designed to provide timely, seamless support, allowing drivers to request locksmith services directly through a mobile app, ensuring help is just a click away.

Conclusion

Car lockouts and key issues can quickly turn from minor inconveniences into significant problems. The costs and time lost during these situations can add up faster than expected. By adding locksmith services to your auto insurance policy, you safeguard yourself from these unexpected expenses and ensure you’re prepared when the inevitable happens. As vehicle security becomes more complex, having locksmith coverage is an important step to keeping your car and your peace of mind protected.