How to Purchase a Diamond Engagement Ring

DECIDE HOW MUCH YOU WANT TO SPEND
You will be confronted with a dizzying array of choices when it comes to engagement rings. Have a price range in mind before you start to shop. Going in with fairly specific parameters will help your jeweler find the right engagement ring to fit your budget.

DO YOUR HOMEWORK
There’s a lot you can learn about diamonds before you even set foot in a jewelry store. Start with the 4Cs – Color, Clarity, Cut and Carat Weight – so you understand how each influences the value of the diamond and adds to the overall appearance of the stone. You’ll learn what is most important to you and where you might want to compromise to fit your price range.

UNDERSTAND HER TASTE IN JEWELRY
Pay attention to the kind of jewelry she already wears. Is she more classic or modern? Does she wear more white metals or yellow gold? Do her pieces tend to be more delicate or chunky? Sleek or ornate? Have these preferences in mind when you set out to shop. If you buy something similar to what she already likes, you can’t go wrong.

KNOW HER RING SIZE
If she wears rings, borrow one she already owns. Trace the inner circle on a piece of paper, or press the ring into a bar of soap for an impression. You can also slide it down one of your own fingers and draw a line where it stops. A jeweler can use these measurements to identify her approximate ring size.

If she doesn’t wear rings, estimate in the following manner: The average ring size in the U.S. is 6 (based on the ‘average’ U.S. female being 5’4″ tall and weighing 140 lbs.) If she’s more slender, or fine-boned, her ring size is probably in the 4 1/2 to 5 1/2 range. If she is heavier, larger-boned or taller, her ring size is probably in the 6 1/2 to 7 1/2 range. It’s always better to buy a ring a bit bigger than you think she’ll need because sizing a ring down is much easier than increasing its size.

KNOW HER FAVORITE SHAPE AND CUTTING STYLE
If she hasn’t made it easy for you by already voicing an opinion on the subject (or admiring someone else’s engagement ring), keep these thoughts in mind when considering shape:

She will be wearing this ring every day of your married life. It will need to go with everything from jeans to evening wear. If you’re uncertain about her diamond shape preference, it’s sensible to stick to the classics, such as a round or square shape. They became classics because they appeal to most people most of the time.

Preference in shape may be reflected in other aspects. If she prefers clean, modern lines in furniture, for example, it’s likely she’ll react well to the same aesthetic in rectangular or square shapes. If she tends towards the traditional, a round shape rarely misses. Are her tastes eclectic or bohemian? She may favor more unusual shapes, like a triangular or marquise shape.

A diamond’s cutting style refers to its facet arrangement, rather than its shape. Round-shaped diamonds, for example, are cut in the brilliant style − an arrangement of 57 or 58 facets designed to maximize the diamond’s sparkle and minimize the appearance of inclusions. The fewer the facets, the more visible any inclusions will be, so a cutting style such as a step cut (a.k.a. emerald cut), for example, requires higher clarity in the diamond.

DECIDE ON A SETTING
Consider her lifestyle and how well a certain setting design will fit into it. If she’s more active or outdoorsy, look for a lower profile, less ornate or more secure mountings, which are less likely to get knocked against or caught on things. If she’s more of a glamour girl, look for statement settings, with a higher stone profile, more intricate ring detailing or a unique motif.

While there are endless design choices you can make for her ring, there are some basic setting types you are likely to encounter:

DECIDE ON A METAL

A diamond engagement ring is meant to last a lifetime so it is often made of gold or platinum – highly durable metals that can withstand many decades of daily wear. Metal color is a matter of personal preference with gold providing more color options: white, yellow or rose. Metal color is also a consideration since the appearance of a diamond’s color is affected by its surroundings.

 

TIPS & ADVICE
1. Insist on a diamond grading report.
The differences in diamond quality can be so subtle even a trained jeweler can’t recognize them without lab verification. Insist that any diamond you buy comes with an indisputable verification of its quality from an unbiased source.
2. Protect your purchase.
Have your diamond appraised and insured. Appraisers and insurers rely on diamond grading reports to accurately evaluate the value of gems. As an additional measure, consider having your diamond laser-inscribed with its GIA report number, to provide verification if it is ever lost or stolen.
3. Look for a gem that weighs a bit less than your target size.
Prices per carat generally increase as the weight passes “magic numbers” such as 1.00, 1.50, and 2.00 carats. A diamond that weighs 0.95 carat will cost less per carat than a 1.00 carat stone but look almost the same.

December Birthstone: Blue Zircon