First you need to think about what would happen if you locked your keys in your car and not to think with a duplicate key. If your insurance does not cover locks and locksmith, then you probably have the glass to break. Because it would not necessarily be random, do not pay your insurance well.
If you do not have spare keys for your vehicle, then you should consider whether or not, you should have insurance on your car insurance Schlosser. This means that your household insurance will pay for a locksmith let in your car when you sent your keys in the car lock.