The Benefits of Lost Car Key Insurance You Should Know About
You’re busy. Now, you’ve lost your keys and your stress levels have shot through the roof. You just want to go home and relax. Of course, it would be better to completely avoid these situations, but it’s not always possible. You can prepare for it, however. Lost car key insurance can make this bad situation affordable and effortless to deal with. And it’s much more than a replacement key service.
Affordable Key Replacement and Lock Repair in Houston
If you’ve ever lost or damaged a key, you know the solution usually comes with a big bill. Keep in mind locksmith services in Houston are always a better route to go when looking to save you money on getting your keys out of you car. Replacing a car keythrough a dealer can easily cost you a decent amount of money. Lock repairs, emergency or after-hours charges, transportation, towing and many other charges can add up to thousands in unplanned expenses.
Lost key insurance makes these extra expenses disappear. Instead of paying a large sum when you lose your keys, providers require nothing more than a small monthly payment. This way, you’ll have nothing to worry and no big bills arriving at your door.
If you’re lucky, you’ll lose the keys to your car during business hours while stopped close to a locksmith or car repair shop. And it will only take a few minutes for the experts to get a replacement key or unlock the door. Unfortunately, this rarely happens.
Usually, keys only go missing at the end of a long day when you’re a long way from home. You have to find someone who can help and hope they don’t take all night to get to you. Then, you have to worry about taking the appropriate steps to rectify the issue and still make your way home. If you have lost car key insurance, however, these things won’t be an issue.
With lost car key insurance, a call to the 24-hour emergency line will put everything in motion. The customer service agent will take care of the keys, ignition, immobilizer, transportation and anything else you might need. Some insurance providers will even pay a cash reward to the individual who finds and returns the lost key or fob.
More Than Just Keys
If you contact the car company because you’ve lost your keys, they will only provide you with a new key. They won’t necessarily help you with anything else that may need repairs or replacement. So, if the ignition gets damaged or the vehicle’s alarm system has to be reprogrammed, you’ll have to pay extra and may have to wait days or weeks to have the work done. And if you only have one vehicle, this can be a huge inconvenience.
Peace of Mind
Lost key coverage provides you with confidence. You know that you only have to make a phone call to your provider and they’ll look after everything. But, what would you do if you were on vacation or a business trip? If you have quality lost key cover from a quality provider, you have nothing to worry about.
Good providers will cover you no matter where you are. You’ll have less stress and nothing to worry about except your travel itinerary and what you might see next. They will even help you make arrangements for alternative transportation if you need it.
Save Money On Other insurances
Some house insurance policies will cover lost keys. What they don’t tell you is what those small claims will do to your premiums. In many instances, one small claim will cancel any no-claims discounts you might currently receive. It can also increase your premiums for years.
You also need to consider the deductible for your insurance. Policies often have a high deductible. In fact, it could cost you more than it would to replace your keys. If it isn’t, making a claim for lost keys could increase your premiums making it financially impractical. Lost car key insurance eliminates this entire problem. You may even get a discount for having multiple types of insurance with the same provider.
No one wants to think about dealing with lost keys, but you have to plan for it. Lost car key insurance will make a huge difference when you need to replace lost or stolen keys and cover the many associated costs. Get coverage now and eliminate the nightmare. After all, it’s better to be safe than sorry.