I asked my mechanic for a recommendation of a good body shop. He told about the "Creme de la Creme" shop with the cute young blonde "assistants" who brought you coffee and gabbed with you while you were waiting, the free rental cars, etc. He said to take my car there if it was to be covered by insurance.
If I was paying for it myself, take it to this "other shop" on the bad side of town with six rottweilers in the yard, a shack for an office and no free loaner cars.
I've taken cars both places and if the top shop estimates $2300, the "other" shop wants $900. I've had work done by both shops and both did an excellent job.
The morale, if you have a good mechanic ask him were to go. The rule of thumb that I've been told that much over $1,000 consider going with insurance. Over $2000, go with insurance.
Two different fender benders have taught me that bumper repair on either back or front 03 Camry, unless it is total destruction, will be $300 to $400, irregardless of the number of scratches (removing the bumper is always necessary, filling in the scratches hardly equates into the price, matching paint is the big thing here).