Jeep keys have a chip in them. $60 for a spare. But, I agree with the OP in principal. It's the best $60 I can spend. I have a spare hidden on the exterior of the Jeep. My spare house key is hidden in the backyard.
I've heard reports of insurance companies being difficult regarding theft claims if a spare key is used by the thief.
My car key costs $100 for a spare, but it came with two keys, so there is a spare. We have a house key hidden on our property.
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