Key Insurance

[Anubis]

<div class='quotetop'>QUOTE(Curtis SAC @ Aug 17 2006, 10:34 AM) [snapback]304700[/snapback]</div>

I can't remember the last time I lost a car key or fob.[/b]

With three little boys, I used to lose my keys all the time. Now, with my new Prius and its Smart Key system, I NEVER have to worry about losing my keys. I just keep my keys in my purse (Yay! Another good reason to carry a purse around with me all day!).

I also love the Smart Key System because I can never forget my purse or accidentally lock my keys in the car.

Now, just so long as I don't lose my purse... (which occasionally happens -- three little boys, remember?)

[curtissac]

Well... I do have a 2 1/2 year old daughter. And every other week I have two additional toddlers in the house for several hours each day. I have managed to hold on to my keys - but mysterious things happen.




<div class='quotetop'>QUOTE(brandon @ Aug 17 2006, 11:42 AM) [snapback]304705[/snapback]</div>

Neither would I, with that kind of deductible. A rider does not have to have the same deductible as the primary policy, to my understanding. A coworker has a rider on his homeowner's policy that insures his cell phone for about $10 a year, no deductible. I was thinking about something like that for the smart key.
[/b]

A $500 deductable is the highest most lenders will allow on a financed car - higher deductables are just a way of partial self insurance. You can get different deductables for different coverage. My wife used to have a $250 deductable on collision and comp, but a $50 deductable for glass damage.

I have a $1000 deductable on my homeowners policy - again, the max the mortgagee will allow. But I think there are a couple of things that are covered with lower deductables - I just can't remember what they are.

I guess since I am willing to go naked up to $500 on a busted windshield, etc. I would pay extra to cover my keys.

[Godiva]

Well, the first thing I did was buy a third fob and get it programed. The original with the silver tag is safely at home. The second is in a file at my parents' house. And I use the third.

If you're that worried, you can always just put a label on the back saying "If found please call XXXXX. Reward for return."

[Jim1eye]

<div class='quotetop'>QUOTE(jackowens @ Aug 17 2006, 01:27 AM) [snapback]304525[/snapback]</div>

aren't there key-chains with a number that, if the key is lost and someone finds it, tells the finder to drop it in any mailbox and it will be returned to the owner?
[/b]

AAA sends me new ones for my key rings every year w/my renewal ID card.

[msmit002]

Hmmmm LoJack would make a killing if they could fashion some sort of device for the fob, and charge say... $50-$75.

[iaowings]

I have no deductible on my front windshield. Everything else is standard; I think taking the deductible off my windshield raised my premium like 3 bucks a year or something trivial. You can customize you insurance however you want just ask your agent.