Smart repair possible?

Hello together, as an absolute loan, I hope that you can give me an assessment here. I have a car scraped for the left front side, name has not been left, so I am currently sitting on the cost should not report to the police yet. Have my insurance already contacted and sent me to a workshop. There they gave me 2 offers. 1.) For the insurance – 1.350€ there has to be a new bumper. 2.) If I would pay it without insurance 800€ will be repaired normally. Since I have never had such an offer I can not estimate the costs, with the insurance I would pay 300€ self-financing and always the upgrade. According to insurance this would be for the next years 300€ extra cost + keep lower SF class. If then I have obtained another offer of a smart repair workshop, here I got an offer of 250€. Since this is now so gross price differences I am not sure whether Smart Repair really creates this or the price is normal and the other workshop simply wants to earn due to my ignorance neatly money. What price would be at “Kraterverkehrerverkehrer.