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Be sure to ask the locksmith if he's insured in case damage occurs. Liability insurance will likely cover any damages that occur while the locksmith is performing the work on your car or home. An insured locksmith may charge slightly more for his services, but you'll have peace of mind when choosing someone with a professional outlook on his business.

Prepare in advance for emergency situations. Keep a list of reputable locksmith phone numbers in your wallet or purse at all times. Or bookmark a website directory of local locksmiths so you can access it easily from your laptop or mobile phone when you need it. Set back some extra cash in your emergency funds for locksmiths. You never know when you'll need one!

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