1. 723 POINTS
    Everett Debrow, Jr.
    Principal Agent, Patriarch Associates,LLC, Opelika, Alabama
    Hello, and thanks for the opportunity to answer the question.

    Today's cars are mostly equipped with smartkeys, and the related technology can drive the cost of replacing them up to as much as $500. This higher cost has led to the advent of a coverage plan that can be purchased as a rider to base insurance plans. A large percentage of these riders come without a deductible, making them more desirable to customers. Unless the plan offers base coverage for keys, these riders are just about must-haves. To do anything else may mean an out of pocket expense not planned for.

    Thanks again, and I hope I have been helpful to you!
    Answered on October 3, 2017
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