When we recently traded in for a newer car, we were handed two fobs. These are push-button start cars, so you absolutely need a fob to drive one. An old-fashioned metal key will not work. Even the hidden metal key in your fob is only good for unlocking the door, not for starting the car. Since life has schooled me that things get lost, I asked how much it would cost to get a spare fob made at time of purchase, hoping I might catch a break.  Nope, the dealer cost would be $436. Ouch.

So, I later asked AI what to do. I was advised to have a non-dealer locksmith or hardware store do it instead. With this route, you might save even more money if you buy the blank fob yourself on Amazon for something like $30, and just have the locksmith program it and cut the hidden metal key.

A local ACE hardware store quoted me a price of $330, which is better than $436, but still not great. But I located a mobile locksmith, who drives a big van loaded with spare keys and fobs, and the equipment to cut key copies and to program fobs. He specializes in going and helping folks who are locked out of their cars, and he will drive to your house to make spare fobs and keys.   He would come to our house to make a new fob for $270. But it gets even better – – if I had two fobs made in one visit, the price would be only $220 apiece. It was an offer I could not refuse, so now I have spares for both cars.

If you don’t have a working fob for the locksmith to work from:  It turns out that for many foreign cars (Subaru, Toyota, and especially most European brands), it can be very difficult for a non-dealer locksmith to create a fob for you. Normally, if you find yourself locked out of your car some dark, snowy night, the mobile locksmith can roll up and create a new fob for you so you can get back in business. For brands like Ford, GM, Honda, and Nissan, he can accomplish this even if you can’t provide him with a working fob to copy. He will charge you twice as much, because it is a much harder job with no working template fob. It gets even harder for, say, Subaru. But for Mercedes-Benz or BMW, it may be impossible for most locksmiths to get a fob made on the spot without a working model to copy.  In a big metro area, there may be a few locksmiths who have the specialized equipment for these brands; you’d have to call around and ask the locksmith especially if they can make a new, say, Mercedes fob for an “all-keys-lost” situation. If not, you may have to get towed on a flat-bed ($$$) to a dealer, who can read your vehicle and program the fob ($$$). There may be a middle ground (which will take some days to play out) where you order a blank fob from a dealer along with some essential info for your locksmith to complete the programming, or where you order a programmed fob by mail.

All this argues for having a spare fob made ahead of time; maybe stash it somewhere that a friend or family member could bring it to you, if you were in distress not too far away.

Bonus fob tip: If your fob battery dies, you can still start your car by using the conventional metal key hidden inside your fob to open the car door, and then hold the fob very close to the car ignition button as you push the button, with your foot on the brake as usual.