• When judging prices, try to compare to a stone the same shape, size, color, clarity and cut quality. Compare mountings with the same workmanship. All of these factors affect the cost of a diamond ring or jewelry item. 

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• Compare per carat prices, not stone prices (total cost of diamond. 

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• Look and several diamonds so you have a basis for comparison. 

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• Do not assume that all jewelers grade diamonds in the same way. Some jewelers are more strict than others, so grades can be misleading. Even diamonds accompanied by grading reports should be viewed carefully by the buyer. 

• Beware of sales or ads that seem too good to be true. 

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• Be willing to compromise. Know what your budget is. Even people with unlimited budgets have to compromise sometimes on size, shape, color or quality due to occasional lack of availability. A diamond doesn't have to be perfect to be enjoyed.

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• Establish a relationship with a jeweler you can trust and who looks after your welfare.

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• Look at a diamond on your hand as it would normally be viewed when wearing - ask yourself these questions.

  • Is the diamond brilliant?​

  • Does it sparkle?
    Does it look good on my hand?

  • Does it look good compared to other diamonds of the same shape and size? (Keep in mind that lighting can affect the appearance of diamonds!)

  • Does it fit my personality?

  • Is it practical for how I plan to wear it? (daily or special occasions)

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Though some merchants may offer you free appraisals with your purchases, it is advised to have a "second opinion" to confirm the quality and value of your jewelry. An independent appraiser will take the time necessary to write an accurate, in-depth appraisal that will help you and your insurance agent to determine an accurate premium for insurance purposes. 

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Appraisals should be updated every 3-5 years.

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