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5 (36 Reviews)

Key Replacement Protection Program for Dealers

Help your dealership turn key replacement coverage into a stronger F&I profit center with a reinsured program built for long-term control. DealerRE helps dealers structure, administer, and optimize protection products that improve customer value, support retention, and keep more underwriting profit inside the dealerships.

Auto dealership key protection consultation

Our Key Replacement Protection Program Services

Explore dealer-focused F&I protection programs that complement key replacement coverage and support stronger retained profitability.

Theft Avert

Add theft prevention value through a reinsured product featuring window etching and anti-theft labeling, helping dealers bundle protection offerings while retaining underwriting profits on each enrolled vehicle.

Tire & Wheel

Offer a high-demand ancillary protection product covering road hazards and roadside support, giving your F&I team another practical benefit-driven option to pair with key replacement protection.

Windshield Repair

Strengthen your ancillary lineup with windshield repair coverage for chips and cracks, creating a more complete ownership protection package that can improve customer satisfaction and per-deal revenue.

Door Ding

Provide paintless dent repair protection as a convenient add-on that helps preserve vehicle appearance while allowing your dealership to participate in underwriting profits through reinsurance.

Vehicle Service Contracts

Support long-term ownership confidence with reinsured vehicle service contracts that help dealers control claims experience, improve retention, and keep more F&I income in-house.

Limited Warranties

Customize limited warranty offerings that differentiate your dealership, support customer trust, and create another profitable reinsured product within your broader F&I strategy.

Dealer-Owned Advantage

Build a Smarter Protection Profit Center

A key replacement protection program can do more than add another menu item. With DealerRE, dealers can structure a reinsured ancillary product strategy that supports customer peace of mind, improves F&I performance, and keeps underwriting profits from flowing to outside providers. Our team helps you align product design, administration, compliance, and training so the program works operationally and financially.

Dealer team discussing F&I protection strategy
Trusted By Dealers

Dealer Success Stories

See how dealers improve F&I performance and retain more profit with reinsured protection programs.

"Our Family Advantage Program has allowed us offer our customers a warranty that my dealer competitors can't come close to offering."

Jody Midgette

"Tim is a good Christian man who is going to be honest with you, tell you if the program is going to work for you, and how best it will work for you. They have so many options there is something for everybody."

Michael Darrow

"Great staff and company to work with for your Reinsurance Company. Customer service is top notch and always willing to help make your Reinsurance Company more profitable with training just a phone call away. Highly Recommend any Dealers looking to start your Reinsurance company to get intouch with DealerRE to..."

Morgan County Motors
Morgan County Motors

"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"

Daniel Orozco
Daniel Orozco

"Excellent customer service! The team is very professional."

Leyla Quliyeva
Leyla Quliyeva

"After 25 years in business as a buy here, pay here dealership, I saw my write offs due to uninsured customers and low insurance settlements reach an unacceptable level. I looked at several different programs, and felt that DealerRE offered the best solution for my business. After my first year,..."

Brett Abernathy
Brett Abernathy

"We're SO happy with Dealer RE! Parker is a straight-shooter. He tells it like it is. Whatever he promises, he delivers. If it can't be done, he tells you right up front. And the whole team at DealerRE is friendly, responsive, and service customers the old-fashioned way--they actually answer the..."

Larry Gaertner
Larry Gaertner

"DealerRE is professional, friendly, and very accurate in all of their reporting!"

Darla Booher

"We've done business with DealerRe for years and have been very happy with them!"

Jay Ware
Jay Ware

"I have been working with DealerRE for quite a while now and they have been terrific! Anytime you need anything, they are very responsive and helpful. Everyone I've dealt with at DealerRE have been very nice and personable. I highly recommend them!"

anthony rose
anthony rose

"Our Family Advantage Program has allowed us offer our customers a warranty that my dealer competitors can't come close to offering."

Jody Midgette

"Tim is a good Christian man who is going to be honest with you, tell you if the program is going to work for you, and how best it will work for you. They have so many options there is something for everybody."

Michael Darrow

"Great staff and company to work with for your Reinsurance Company. Customer service is top notch and always willing to help make your Reinsurance Company more profitable with training just a phone call away. Highly Recommend any Dealers looking to start your Reinsurance company to get intouch with DealerRE to..."

Morgan County Motors
Morgan County Motors

"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"

Daniel Orozco
Daniel Orozco

"Excellent customer service! The team is very professional."

Leyla Quliyeva
Leyla Quliyeva

"After 25 years in business as a buy here, pay here dealership, I saw my write offs due to uninsured customers and low insurance settlements reach an unacceptable level. I looked at several different programs, and felt that DealerRE offered the best solution for my business. After my first year,..."

Brett Abernathy
Brett Abernathy

"We're SO happy with Dealer RE! Parker is a straight-shooter. He tells it like it is. Whatever he promises, he delivers. If it can't be done, he tells you right up front. And the whole team at DealerRE is friendly, responsive, and service customers the old-fashioned way--they actually answer the..."

Larry Gaertner
Larry Gaertner

"DealerRE is professional, friendly, and very accurate in all of their reporting!"

Darla Booher

"We've done business with DealerRe for years and have been very happy with them!"

Jay Ware
Jay Ware

"I have been working with DealerRE for quite a while now and they have been terrific! Anytime you need anything, they are very responsive and helpful. Everyone I've dealt with at DealerRE have been very nice and personable. I highly recommend them!"

anthony rose
anthony rose

"Our Family Advantage Program has allowed us offer our customers a warranty that my dealer competitors can't come close to offering."

Jody Midgette

"Tim is a good Christian man who is going to be honest with you, tell you if the program is going to work for you, and how best it will work for you. They have so many options there is something for everybody."

Michael Darrow

"Great staff and company to work with for your Reinsurance Company. Customer service is top notch and always willing to help make your Reinsurance Company more profitable with training just a phone call away. Highly Recommend any Dealers looking to start your Reinsurance company to get intouch with DealerRE to..."

Morgan County Motors
Morgan County Motors

"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"

Daniel Orozco
Daniel Orozco

"Excellent customer service! The team is very professional."

Leyla Quliyeva
Leyla Quliyeva

"After 25 years in business as a buy here, pay here dealership, I saw my write offs due to uninsured customers and low insurance settlements reach an unacceptable level. I looked at several different programs, and felt that DealerRE offered the best solution for my business. After my first year,..."

Brett Abernathy
Brett Abernathy

"We're SO happy with Dealer RE! Parker is a straight-shooter. He tells it like it is. Whatever he promises, he delivers. If it can't be done, he tells you right up front. And the whole team at DealerRE is friendly, responsive, and service customers the old-fashioned way--they actually answer the..."

Larry Gaertner
Larry Gaertner

"DealerRE is professional, friendly, and very accurate in all of their reporting!"

Darla Booher

"We've done business with DealerRe for years and have been very happy with them!"

Jay Ware
Jay Ware

"I have been working with DealerRE for quite a while now and they have been terrific! Anytime you need anything, they are very responsive and helpful. Everyone I've dealt with at DealerRE have been very nice and personable. I highly recommend them!"

anthony rose
anthony rose
The DealerRE Difference

Why Choose DealerRE?

Dealers rely on DealerRE for strategic guidance, administration support, and long-term program performance.

Experience

Serving dealers since 1994 with decades of reinsurance and F&I program expertise.

Full Service

DealerRE manages legal forms, filings, renewals, reporting, bookkeeping, and claims administration support.

Training

Exceptional onboarding and staff training help your team present protection products with confidence.

Profit Control

Keep more underwriting income in-house instead of sending profits to third-party providers.

Meet The DealerRE Team

Experienced leaders focused on dealer profitability and support.

Tim Byrd Founder headshot

Tim Byrd

Founder

Tim Byrd founded DealerRE in 1994 and has spent decades helping auto dealers build stronger, more profitable F&I programs through dealer-owned reinsurance. His experience spans program structure, profitability strategy, and long-term dealer support, giving clients practical guidance rooted in real industry knowledge. Tim's leadership helped establish DealerRE as a trusted resource for dealerships seeking to retain underwriting profits instead of relying on third-party product providers. As the company's founder, he has remained focused on helping dealers improve efficiency, strengthen customer offerings, and create sustainable financial advantages through well-managed reinsurance programs.

Taylor Byrd President headshot

Taylor Byrd

President

Taylor Byrd serves as President of DealerRE and helps dealerships understand the strategic value of opening and operating their own reinsurance company. A frequent speaker at national and state independent dealer events, he brings a strong educational approach to dealer partnerships and is known for making complex reinsurance concepts practical and actionable. Taylor has also appeared on industry podcasts to discuss dealer-owned reinsurance opportunities and how dealers can improve profitability through smarter F&I structures. His leadership combines industry insight, communication, and a commitment to helping clients build programs that support both operational performance and long-term growth.

Parker Byrd Vice President of DealerRE headshot

Parker Byrd

Vice President of DealerRE

Parker Byrd brings dealership-side experience to his role as Vice President of DealerRE, having previously worked as both an F&I Manager and Salesman at local dealerships. That firsthand background helps him relate directly to dealer clients and understand the day-to-day realities of presenting products, managing profitability, and improving customer experience. Since joining DealerRE, Parker has helped support reinsurance programs with a practical perspective shaped by real showroom and finance office experience. His ability to connect operational dealership needs with long-term reinsurance strategy makes him a valuable resource for clients looking to strengthen ancillary product performance and retain more F&I income.

Heather Spruill Office Manager / Controller headshot

Heather Spruill

Office Manager / Controller

Heather Spruill joined DealerRE after earning her MBA and has become a key part of the company's client support and operational administration. As Office Manager and Controller, she helps ensure dealers receive responsive communication, organized program support, and dependable back-office coordination. Her commitment to service is reflected in the consistency and professionalism clients experience throughout their relationship with DealerRE. Heather's administrative leadership supports the company's full-service model, helping dealerships stay focused on growth while DealerRE assists with the details that keep reinsurance programs running smoothly and efficiently.

Kristi Cashman VP of Business Development headshot

Kristi Cashman

VP of Business Development

Kristi Cashman serves as VP of Business Development and helps dealerships identify opportunities to improve efficiency, productivity, and profit potential through smarter reinsurance strategies. With a background in strategic management and marketing, she brings a growth-focused perspective to dealer relationships and program development. Kristi works closely with clients to align business goals with practical F&I solutions that support stronger performance over time. Her ability to combine strategic thinking with client-centered communication makes her an important part of DealerRE's mission to help dealers build more valuable, better-managed reinsurance programs.

Brenda West Account Manager headshot

Brenda West

Account Manager

Brenda West brings more than 20 years of insurance industry experience to her role as Account Manager at DealerRE. She also has a financial background from working as an F&I Manager at a successful dealership, giving her a strong understanding of both insurance operations and dealership profitability. That combination helps her support clients with practical insight into how reinsurance programs fit into everyday F&I performance. Brenda's experience allows her to communicate clearly with dealers, anticipate common concerns, and help maintain the responsive service DealerRE is known for across its nationwide client base.

Frequently Asked Questions

How much does a dealership charge to replace a key fob?

Dealership key fob replacement charges often vary based on the vehicle make, programming requirements, and whether the fob includes remote start, proximity entry, or security coding. Many replacements can cost several hundred dollars once cutting, programming, and labor are included. A key replacement protection program helps dealers offer customers a predictable coverage option while creating another F&I revenue opportunity.

What is a key replacement protection program for dealers?

How does reinsurance work with key replacement protection?

Is key replacement protection a good F&I product for dealerships?

Can key replacement protection be bundled with other ancillary products?

What support does DealerRE provide for launching a program?

Who is this program designed for?

How long does it take to get started with DealerRE?

Still Have Questions About Reinsurance?

Speak with our team about program structure, setup, and dealer profitability.

Trusted & Proven

Awards and Recognition

NIADA Member logo

NIADA Member

Industry association membership and sponsorship.

28 years of proven success badge

Trusted Since 1994

Decades of dealer reinsurance experience.

Dealer client recognition badge

Dealer Client Recognition

Clients earned respected industry honors.

Start Building Your Key Protection Program

Connect with DealerRE to discuss program structure, onboarding, administration support, and how a reinsured key replacement offering can fit your dealership's F&I strategy.

Contact Us Today

For immediate assistance, feel free to give us a direct call at +1 804-824-9533.