I have worked with Hagerty many times and what they are paying for is based on a preliminary estimate. If the exhaust cost is more than on the estimate.... The shop needs to submit the invoice to Hagerty for a "parts price increase". As far as matching color... No problem. There is no way around the fact that new paint will have a higher gloss than the old finish. Buffing of the adjacent panels to increase luster is all they will likely pay for.
By law you have the choice of shop, and no insurance company can tell you where to have your car fixed. I hope you can find the shop that meets your expectations.
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