1. If you have a spare key: This is the easiest solution. Simply use your spare.
2. If you have NO spare keys: You'll need to get a new key made. There are several ways to do this:
* Dealership: The most expensive option, but they can program a new key that will work perfectly. They may need your vehicle's VIN.
* Locksmith: A reputable locksmith specializing in automotive keys is a good middle ground. They can often make keys on-site using a code derived from your vehicle's lock cylinder, or may need to decode your vehicle's immobilizer system. This is usually cheaper than a dealership. Ensure the locksmith is experienced with older vehicles.
* Auto parts store (with limitations): Some auto parts stores can cut keys based on the key code if you can find it, but this only works if the car doesn't have a sophisticated immobilizer system (which is more likely with a 1998 model). They *cannot* program the chip in the key if it's required.
Understanding the Ignition System:
The 1998 Chevy Lumina may or may not have a Passive Anti-Theft System (PATS) or similar immobilizer system. This system prevents the car from starting unless the key's transponder chip is recognized.
* If it has PATS (most likely): You'll need to get a key that has the correctly programmed transponder chip. A simple key copy won't work. Only dealerships and some locksmiths have the equipment to program the chip.
* If it doesn't have PATS (less likely): A locksmith may be able to cut a new key based on the lock cylinder, and it should start the car.
In short:
The best approach is to contact a reputable locksmith first. They can assess your vehicle and determine the best and most cost-effective method for replacing your lost key. Calling around to get quotes from a few locksmiths is recommended. Only go to the dealership as a last resort. Be prepared to provide proof of ownership for your car.