Investing in a 4 carat diamond ring price has to be one of the most important factors. A single quality gem can cost up to $100K which is as much as a new luxury car would cost. You want to ensure that you are getting value for money and the cut, color and clarity of the stone is reflected in the cost. The type of precious metal used to set the stone also adds to the price.
If you choose a piece with the same total CT but set with several smaller stones, you can save as much as thirty to forty percent on the value of a single stone piece. Smaller good quality diamonds are more readily available which is reflected in the value. Whereas, sourcing a single 4 CT diamond of good quality is rare.
Keep in mind that a single large stone will not only be more expensive to buy, insurance premiums are likely to be set much higher. The insurer will take into account several risk factors when setting the premium insurance rates. Small stones are cheaper and easier to replace than one large stone.
When you purchase valuable items, shop around for insurance deals. It is advisable to discuss insurance cover with your broker before, or immediately after making your purchase. Sellers are likely to offer insurance cover for your ring, but is usually more expensive than anything your broker will offer.
Retailers cover their overheads and make a profit from the items they sell. Smaller independent stores have to charge more for an item which you can purchase cheaper from a larger chain store. They buy in bulk and can afford to apply a lower markup to the product.
The internet is a useful resource if you are interested in comparing costs. However, if you are intending to buy from the internet you need to be sure you are buying from a legitimate source. A 4 carat diamond ring price which seems to be a real bargain should start to ring alarm bells as it may not be genuine.
If you choose a piece with the same total CT but set with several smaller stones, you can save as much as thirty to forty percent on the value of a single stone piece. Smaller good quality diamonds are more readily available which is reflected in the value. Whereas, sourcing a single 4 CT diamond of good quality is rare.
Keep in mind that a single large stone will not only be more expensive to buy, insurance premiums are likely to be set much higher. The insurer will take into account several risk factors when setting the premium insurance rates. Small stones are cheaper and easier to replace than one large stone.
When you purchase valuable items, shop around for insurance deals. It is advisable to discuss insurance cover with your broker before, or immediately after making your purchase. Sellers are likely to offer insurance cover for your ring, but is usually more expensive than anything your broker will offer.
Retailers cover their overheads and make a profit from the items they sell. Smaller independent stores have to charge more for an item which you can purchase cheaper from a larger chain store. They buy in bulk and can afford to apply a lower markup to the product.
The internet is a useful resource if you are interested in comparing costs. However, if you are intending to buy from the internet you need to be sure you are buying from a legitimate source. A 4 carat diamond ring price which seems to be a real bargain should start to ring alarm bells as it may not be genuine.
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