Locked Out? Frugal Alternatives to a Pricey Locksmith

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Don't leave yourself at the mercy of an overpriced locksmith when you've locked yourself out of your car in the middle of the night.

I once lost my keys and didn’t realize it until I was standing at my front door, digging through my purse in the middle of the night.

When I didn’t hear the jingle jingle, I panicked. My dog was locked on one side of the door and I was locked on the other. I had been gone for hours. She was probably anxious, maybe tearing up my stuff, and definitely needed to go out.

As visions of chewed laptop power cords and flying couch stuffing danced in my head, I frantically searched for a locksmith on my phone. I called the first one I found, he showed up in a beaten-up Toyota Camry, and $110 later I was inside my apartment.

I did a few things wrong that night and spent way too much money. Here’s how you can avoid it.

1. Keep a spare

The best locksmith is one you never need to call. Start by making a spare set of your keys and giving them to a nearby neighbor, friend or relative you trust with access to your house or car.

For house keys, retailers like Walmart now have a DIY key-making machine. You pay a nominal fee (less than $5 in my area) and the key pops out in about five minutes. You can also have keys made at home improvement stores, dry cleaners, and even at concession stands in the airport.

Most car keys have a computer chip inside matched to your car, so you can’t make copies in a key machine. You could have a dealership make your keys, but home improvement stores like The Home Depot will also make them. I paid $86 (a $64 savings over my local car dealership).

2. Get referrals

Next, identify a reliable, affordable locksmith before you need one. Ask friends and family for referrals. Create a list of locksmiths to check out.

You can also look online for a locksmith. You’ll still need to take a closer look yourself, but it can get you started:

3. Do your research

The Federal Trade Commission warns that not all locksmiths claiming to be local actually are. In fact, some larger companies may have 30 or more listings in your local phone book all claiming to be based in your town. When you call the number, you’re sent to a call center, which in turn sends out an untrained person to do the job. And since they’re not local, you’ll pay more mileage for the trip. Here’s how to avoid that:

  • Research the address. If an address is listed, look it up on Google Maps to make sure it matches a local locksmith shop, not an empty lot or unidentified building.
  • Research the phone number. If no address is listed, use a site like White Pages to do a reverse phone number search for the address. Then plug the address into Google Maps.
  • Check for reviews. Review sites like Yelp can help you decide if a locksmith is legitimate and good.

Note: Some locksmiths work out of their home and may not want to publicize an address. If you can’t find an address, ask the locksmith why. I’d be wary of anyone who couldn’t explain why they didn’t list an address, but I wouldn’t mind working with a “mobile” company based out of a home or car.

4. Compare prices

In 2011, the average service call for a locksmith was $66. Commonly quoted prices were $45, $66 and $85. For automobiles, locksmiths charged $62 on average, according to a survey by Locksmith Ledger. (They also broke down the averages for specific types of services.)

To find the best prices in your area, ask locksmiths for a quote on typical jobs like unlocking your house or getting your keys out of your car trunk. Ask for weekend and holiday rates.

5. Handle an emergency

What’s the best course if you haven’t done the research and you’re locked out of your car in the middle of the night? Call your roadside assistance company. They’ve worked with locksmiths in the past and can probably recommend a reputable company in your area.

Don’t have roadside assistance? Your credit card company may offer it free. You could also add a cheap roadside assistance policy to your auto insurance or your wireless plan.

Have you called a locksmith before? Sound off on our Facebook page and tell us about it.

Stacy Johnson

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