I bought a ring for 10,000$. It was appraised professionally at 20,000$. I know I got a good deal, but 20,000$ is steep and my understanding is that appraisers always appraise at nearly double value. I now pay 300$ in insurance premiums and cannot get lower than this despite shopping around (values are not exact). Could I get the ring re-appraised by someone to achieve a lower appraisal (e.g., 15,000$) to reduce my insurance premiums? Would this be a bad idea?