I was thinking something so similar, like tell me you have a cash flow problem without telling me lol. I actually had something really strange happen with an online quote. I was looking for a CLAIR instant quote, but it requested pictures. I sent in pictures, and about a week later I received an extremely low quote.
I decided to check to see if CLAIR had been updated to offer an instant price (I have no idea why I decided to check this, but it worked in my favor), and it offered me $500 more for the exact same bag. I called the store to see which quote to accept, and they said that as long as the bag is exactly the same with specified color/condition/etc. that they would honor the higher price.
When I dropped the bag off, I explained the story again. One of the associates mentioned that the online instant generated quotes are almost always higher than what they eventually offer you when they inspect your bag. He said it's always best to have them submit the photos if you are a local, or to submit them online for the most accurate price.
I mentioned that I called the store the other day, and that the online instant quote should be honored if the bag is in the exact same condition as the quote submitted with pictures. He seemed a little hesitant, but I dropped the bag off anyway, and amazingly they honored the higher price, and I was paid out the next day.
Just a useful tip to check what CLAIR offers if your personal photo submission feels low!