I am exactly in the same situaion. I am also based in SD and got quotes from Amatos and AJ around 12k$ for my quarter panel replacemt and some work on rear door. So, i went to auto body shops at miramar and they told me that they can repaair it for 2500$. I am also planning to avoid geico because of 1000$ deductibile. Please let me know if you finally decided on where to get it repaired.I sent the picture to 2 Tesla certified body shops near San Diego (AJ-USA and Amato's in case someone in the area is reading). Amato's quoted me $13k, first availability is 2 months out. AJ said replacing the quarter panel is likely $6k and that doesn't include any work on the bumper, first availability is a month out.
I also got some quotes on Yelp for some local bumper repair shops and they are in the range of $1500 to $2500.
I have a $1k deductible with Geico. If it can be repaired with $1500 then I'm temping to do that to avoid the premium jump. Maybe I need to get more quotes...
Thanks