My question involves insurance law for the state of: California

I filed a comprehensive claim with $1000 deductible after a rock damaged my car hood, windshield and wiper at highway. I went to a repair shop that works with Statefarm. The "customer pay" estimate was $1700. After i asked for cash out, they resubmitted another estimate to Statefarm, and it's only $1000. They explained to me that it's because cash out estimate is using insurance rate. i think i am being ripped off by either the repair shop or Statefarm. The difference is so huge. Should i get a second estimate for cash out?