Key Insurance

I've seen key finder things, that might be worth a shot. Its some electronic thingy you attach to your keys and if you lose them (like in your house), then you use a little directional device that pings it until you find it (or it makes the keys beep).

 

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

The college I went to gave me one of those. Don't know if it works or not but I've been wanting to try it. The thing has the address of the college and has a ID number on it. The college gets the keys and forwards it on to my address they have on file. I guess thats so thieves wont break into my house.

 

Once I take my $181.00 keyfob I bought off the net to my dealer and have it programmed, I absolutely plan on doing this. There are several sites on the web where you place a tag on your key ring, and if the person who finds your keys follows the requested instructions, you might get them back. A hard lesson to learn.
I am getting quotes for programming in So. Cal. I have them from $92.00 to $175.00. That's just the programming, not the keyfob!!!!

 

I wonder: could one do a rider on their existing insurance policy for the smart key?

*edited to reflect correct terminology*

 

<div class='quotetop'>QUOTE(brandon @ Aug 17 2006, 11:29 AM) [snapback]304698[/snapback]</div>

With a $500 deductable, I wouldn't bother.

I am more likely to get a busted windshield than lose my smart key. I can't remember the last time I lost a car key or fob.

 

<div class='quotetop'>QUOTE(Curtis SAC @ Aug 17 2006, 11:34 AM) [snapback]304700[/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.

*edited to reflect correct terminology*

 

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

Don't you mean "rider"?

 

I got this with my palm pilot.
http://www.stuffbak.com/sb/
it is a sticker you put on it with a serial number.
The person calls the phone number wiht your serial number and they get whatever reward you put up.
Not sure if it will work, but worth a shot

 

<div class='quotetop'>QUOTE(Festus @ Aug 17 2006, 06:50 PM) [snapback]304950[/snapback]</div>

OMG. :lol: Yes, I meant rider. It's been a long couple of weeks...

(and on two separate posts, no less. Sheesh!...)

 

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

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?)

 

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>

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.

 

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."

 

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

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

 

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

 

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.