Does My Car Insurance Cover an Auto Locksmith?

When you’re paying your monthly car insurance to keep you covered in the event of an issue, you may wonder if it’s going to cover you one of those times you need to call a locksmith. Getting locked out of the car is the worst because you’re likely trying to get somewhere or ready to get out of the elements and into your car. 

Luckily you can call an auto locksmith if you don’t have a spare key or there is an issue with the lock. Whatever the reason, call a Chicago Auto Locksmith to get back into your car safe and sound. 

Understanding your auto insurance

Everyone has a different policy and the first thing to understand is that your policy may look different than your neighbors. Some auto policies may cover this service while others may not. This may be an important thing to have included in your policy so that you know you will be covered in the event of needing a locksmith. 

Many times the auto insurance policies that include roadside assistance coverage are the ones that are going to include calling an auto locksmith in with the policy. This is because getting locked out of the car, losing your key, or not being able to get inside for any other reason is considered roadside care and something that a professional will have to come to provide aid in while you’re on the side of the road. 

Not all policies with roadside assistance coverage will include locksmith services, but most likely they will. 

Getting locked out without roadside assistance

If you were to get locked out of the car and you don’t have roadside assistance, hiring a locksmith may still be needed. Be sure to look for a professional in your area that has a great reputation and great prices. 

The quality of work is important when you are talking about something you use every day and keeps you safe in your daily routine. Service prices will vary depending on your car’s make and model, and typically older cars with no electric locking systems will be less expensive to work on than the newer ones with high-tech gadgetry. 

Arming yourself with a great insurance policy to cover these situations could save you time and money in the event that you lose your keys or can’t get in your car. 

Why roadside assistance is great 

The easiest way to regain access to your locked car is to use your roadside assistance through your insurance policy. This means you’ll have help from a professional locksmith technician quickly and easily. 

This type of program also covers you for other inconveniences, such as a flat tire or a battery jumpstart. It’s an affordable way to keep yourself safe on the road and usually can just be added to your insurance policy but otherwise is affordable to buy separately. When you use it with your insurance company, they will reimburse you for the cost of the locksmith service. If you are to lose your keys, you may even be able to get re-keyed with your roadside coverage, which is great to have access to in an emergency.  

Talk to your insurance provider about what’s included in your policy because sometimes you’ll have roadside included even though your insurance didn’t discuss this with you. 

You may be trying to go on about your day and find out you get locked out of the car because you lost your keys, your lock is jammed, or your keys were locked in the car. You may find your key fob is acting faulty, its battery is dead, or someone tried to break into the car which affected the lock. 

For whatever reason you need an auto locksmith, call a professional and make sure you get auto locksmith coverage on your insurance policy.

Why You Shouldn’t Break Into Your Own Car or Home

You've locked your keys in your car or lost the key to your house. You feel a bit desperate and you just want to get into your car or home. When this happens, call a Chicago locksmith before you try to break into your car or home.

Breaking into your car or home is dangerous. It can cause suspicion, damage and many other issues. Here are some of the main reasons you should never try to break into your own car or home.

Injury

If you try to break into your car, it could lead to serious injury. Maybe you think a broken window isn't that big of a deal to fix and you really want into the car. However, when you break that window, the process backfires and you end up cut badly. Even if you don't decide to break the window, trying to break into your own car could lead to injury.

The same goes for your home. Often, breaking into your own home means you're trying to climb into a window, which can be dangerous. You could fall on something inside or outside or hurt yourself in the process. Or, even if you think it goes smoothly you could later cut yourself on the glass you didn’t see in the creases of your car seat.

Damage your Car or Home

One of the main reasons you should never try to break into your own car or home is the damage you can cause. Often, calling a Chicago locksmith is cheaper than replacing a window or other damage you could cause. You may bend a door the wrong way; break a lock on a home window or something else. If you damage the mechanism that locks the window or door, you could spend much more to fix it instead of just calling a locksmith to help you into your vehicle or home.

Cause Legal Issues

If a police vehicle drives by during your attempted break-in, they won't know you own the home or car. They will likely suspect you are a thief and could arrest you for trying to break into your own car or home. Worst case scenario, they question you and the stress of the situation gets to you. This causes you to fight with the police, which could lead to legal issues.

You Could Make Yourself a Target of Crime

When you're desperate to get into your vehicle or home, you may not notice the person that has been watching you and comes up behind you with a gun. The next thing you know, you've become a victim of a crime because you were too busy trying to break into your car or home. Even worse, the thief could break into your car for you and take off with it.

If you're in an unsafe area or it's late at night, don't risk it. Call a Chicago locksmith instead and let a professional handle the job.

There are many things that could happen if you try to break into your own car or home. Most of them are not good. It's better to trust a professional locksmith and it will cost much less than the damage or injury you could cause trying to do it yourself.

Common Times When You Need a Car Locksmith

Calling a car locksmith in Chicago isn't the most pleasant thing to have to do. Usually, it means you're locked out or you're having another type of problem you need to be solved fast. A car locksmith with 24/7 emergency service is best, but when do you need to make this call.

Key Won't Go into the Ignition

If your key simply won't go into the ignition, you won't be able to start your car. This is a big issue, especially considering it will likely happen at the worst time. A car locksmith in Chicago can come out and get you back on the road fast. By replacing your key, if the key is the issue, you'll be able to get your car started and get on your way.

Locked your Keys in Your Car

The sinking feeling of realizing your car is locked and your keys are hanging from the ignition is never a fun feeling. Maybe you have a spare, but it's all the way across town and you don't have time to go get it. This is a very common instance where you need a car locksmith.

A locksmith will get you into your car and help you recover your keys fast. With quick response, you'll be back on the road fast and you won't have to worry about spending hours going across town and back to get your spare key.

Lost Keys

Maybe you were having fun at an amusement park or doing something else and you lost your keys. If this is the case, you need a car locksmith in Chicago to come out and create a new key for you. Key replacement is a very common service provided by good locksmiths and will help you get back on the road fast.

Why You Should Hire a Professional Car Locksmith

Whenever you think you need an auto locksmith, you should hire a professional. If you locked your keys in your car, it may be cheaper to break into it yourself, but you could do damage and cost yourself even more money in the long run. A professional locksmith will have the tools needed to do the job without damaging your vehicle.

Hiring a professional locksmith also means you will have access to multiple services. Maybe you didn't lock your keys in your car, but you cannot get the key into the ignition or there's another issue with the key. A locksmith will be able to assess the situation and provide multiple services to get you back on the road.

This includes dealing with a broken key stuck in the ignition, unlocking a locked car, creating new keys and more.

Fast Service

With the right car locksmith in Chicago, you'll get fast service to get you out of your jam as soon as possible. With access to your locksmith 24/7, it won't matter when you need help, someone will respond quickly.

When you have an issue with your vehicle or your vehicle's key and you think you need a locksmith, you probably do. These are just a few of the common times you should call a car locksmith in Chicago.

Learn the Difference Between Automotive Key Types

Did you know that not all automotive keys are made the same? It may seem surprising since every car you’ve owned seems to have had a similar key, but there are actually different types with a variety of features and all at different price points.

Aside from your traditional key, you’ll find anything from master keys to smart keys and everything in between. Take a look at the ways cars were open years ago through a traditional key and how technology has brought about modern options like the smart key.

Basic car key

The basic car key or traditional option is what you’ll find if you have an older vehicle or one that you may remember from back in the day. These are the ones that you can easily make a copy of at the hardware store and they can hook easily on your keychain. The reason that car keys have evolved from this option are many, but one reason is that they lack really any security features.

By MediaPhoto.Org (mediaphoto.org Own work) [CC BY 3.0 (http://creativecommons.org/licenses/by/3.0)], via Wikimedia Commons

If you still have a car with a traditional key, you may have had a security alarm installed or purchased an electronic key fob to help prevent theft of your car. These inexpensive keys don’t provide any encoding, can be made with any machine that cuts metal, and are outdated since better options have come out.

Master keys

In addition to your traditional car key, you may have been given a master key as well. These were meant to have copies made from them and to not be used for daily use since they were much more expensive than the basic key. Not only are they expensive to replace, but some old owners had to replace their engine management system if they were to lose them. Your used car purchase may come with a master key today.

Transponder keys

A key that’s been around since the mid-90s would be the transponder key, which offers a more secure option than your traditional key. These actually have microchips in the key handle so that when you start your engine, the sensor can respond to activate the transponder.

These can be replaced by your locksmith if lost. If you have a rolling code key version of the transponder where the key has to send a new code each time your car is used, it would be more expensive to replace when lost. These keys were the answer to car theft in the 90s.

Switchblade keys

Another popular car key is the switchblade key where the base retracts from the head of the key fob. These are great for keeping your car keys smaller in your pocket since they fold back up when not in use. It folds up like a switchblade knife and can be replaced if lost.

Remote control car key

Your favorite way to open the car, the remote control car key is the device that allows you to lock and unlock your car. Hit the button you need to lock or unlock, and many come with an alarm system too. The infrared signal or radio transmitter sends a coded message to signal to the car what to do.

By Deloreanman14 at English Wikipedia [Public domain], via Wikimedia Commons

Smart keys

Today, you have the newest version of locking and unlocking your car: the smart key. These were developed by Mercedes-Benz in the late 90s to offer a new, modern version to the old car key dilemma. They wanted to bring technology into the solution and give a new sense of protection to car security. It works as an electronic access and authorization for your system, meaning that it doesn’t actually require you to have a key to use.

You’ll simply hold on to your smart key, keep it in your pocket, and the car will work when it can sense that the smart key is within the presence of the car. Just touch a button to unlock the car and your settings will be applied, like your favorite radio station and seating position. You don’t have to ignite the engine with a key but just with a push of a button as long as the key is within distance of the car. When you walk away, your car will likely lock itself. These are great for security since they use rolling security codes that randomize the immobilizer.

If you’ve ever wondered why everyone has a different car key or what the differences are, this guide explains what the different keys do for different purposes. That’s a look at the difference between your automotive key types.