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Silly question about car insurance reimbursement........ by Ty Webb

Yours truly backed his Jeep into a concrete pillar in a parking garage (technically, I hit the steel barrier attached to the pillar protecting a pipe). I am getting an estimate for the damage and apparently if you take it to a Geico sponsored site, they cut a check for the estimate right there and I can take the car anywhere I want.

So let's say they cut me a check for $1500 and I find my local repair guy does it for $1200. Do I keep the $300 left over or do I then cut a check back to Geico?