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I am in the same boat! I have my Grandmothers ring from the 1950's, its a .53C round cut in a square setting, the prongs are white gold & the band is yellow. Growing up I assumed it was easily over a carat & was a little taken aback after it was apprased and was much less than I see new rings going for now. 
you should get it appraised for insurance purposes.
mine was purchased from an antique store for $2,500 and appraised for $1,500. not sure if this is common for old rings or what, but we were kind of annoyed. I think the appraiser was factoring in just the metal and diamond value only, and not factoring in the fact that it's an antique.
also: appraisals do follow some kind of system, but they're still a little bit based on opinion. so you might get a different dollar amount depending on who appraises your ring. my appraisal cost $75 so I don't feel like getting a second opinion.
I would guess mine is about .5 carats as well. Luckily, it was free to us. I'm a little afraid I ruined some of the value by soldering my bands to it but it had to be done to get the look I wanted because the original band went missing.
Only appraiser here I trust is $75 but it's so not the right time for me to be spending money on anything.
'
This is her, by the way. Same as above... gold with white gold setting.
You should have it appraised for insurance reasons - but just go in to it with NO expectations. I have my great grandmothers 1/3 ct ring- it was appraised twice, once for 3500 and once for 4500. The higher one had said it was worth more for being "old mine" cut which I guess is sought after by antique jewelry dealers (it was purchased in 1926).
I'd say bite the bullet and spend the $75 to get the appraisal ASAP. We got engaged on a Saturday, and I parted with my ring for a day on Monday. The $$ hit would be hard, but imagine the loss of losing the ring or having it damaged without insurance! You may be surprised at what it appraises for (I was shocked, in a good way!). The clarity and cut of the diamond can mean a lot more when it comes to value than the size.
Your ring is very pretty. I'd take it in for the $75 appraisal and get it insured. And then bring your appraisal papers in every few years to get it re-appraised (they'll just make sure it's the same ring and then value it with current gold and diamond prices). Mine went up over 1K in a year, so I updated my insurance.
I'm estimating mine to be from the late 40s. Going to call a jeweler now... You have me very curious.
I have two appraisals. One from five years ago for £5000, one from last year for £4650. I think the earlier one is more accurate, as it was done by an antique jewellery expert.
It's quite a subjective thing with antique rings, especially as most of them have hand-cut stones rather than the precision machine-cut ones these days.
@SFreeman2187: mine is similar to yours (in that we both have illusion settings). but mine is white gold with a platinum head and no side diamonds. .5 ct, old european cut diamond.
this thread is totally making me feel better about what mine was appraised for. we thought we got ripped off, but I need to remind myself that it could have had a totally different outcome if I had gone to a different appraiser.
See, mine doesn't have the heighth on top like that! Isn't that what a mine cut has?
The cut looks incredible to me (my ring - hey, yours too!) but the heighth and the length at bottom isn't there like it is on yours.
Mine is late 40s and is actually shallower than most modern cuts, but still with a much smaller table and slightly irregular facets.
I thought I would tell you guys what I've found by calling jewelers. There is no one in town that really specializes in antiques. I did speak to one higher end jeweler who gave me the number to someone about 100 miles away they highly recommend. Appraising center stone alone, under 1 carat, is $95. Over 1 ct is $145 and this isn't including all the other diamonds.
I have two bands soldered and the bads each have 10 diamonds. yay.
@SFreeman2187: Did your ring come with any papers/descriptions when you received it? The jeweler I used gave me a reduced price appraisal since they didn't need to determine the size/clarity/color of the stone from scratch, they just had to verify that the specs were accurate. That may help a bit on the cost.
Nope, belonged to grandmother. Mom thought papers were somewhere but between deaths, moves, etc, who knows!
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My ring was my grandmother's. My grandmother came from a wealthy family and grandfather came from a dirt poor family. I've always been told that my grandfather was viewed as unworthy of her and he busted his butt his entire life to show everyone otherwise. The more I look at my ring, the more I understand it's value, aside from sentiment. I would like to have my ring appraised but I'm almost afraid to. The stone is not huge but considering the time period, its a decent size and the quality, at least from my naked but a bit analytical eye, is amazing. I often see other friend's diamonds and mine becomes more and more appealing.
I guess my question is... what were you expecting when you had it appraised? What value were you given? I think I just want some info so I know what range I am looking at when I do have it appraised.