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Why do paint quotes vary so wildly? Trying to make sense of it

I've been getting quotes to repaint the front bumper and bonnet on my Accord after some stone chip damage, and the numbers I'm getting are genuinely confusing. One place said 800, another said 2500, and the expensive one didn't even explain why. I get that quality varies but surely there's some logic to it. Someone sent me a link about what factors affect car paint costs in Abu Dhabi a practical guide and it actually broke things down properly, things like whether they blend into adjacent panels, the type of paint, whether it's a pearl finish, and how much prep work is involved. That was eye opening because I hadn't considered half of it. My question is whether the cheaper quotes are cutting corners on prep or materials, and how do you actually tell the difference before you commit? Also is it normal for a shop to refuse to give a fixed quote until they see the car in person? Would rather understand this properly than get burned.

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