Quote too high?

Hello!

I am seeing quotes from other folks that are much much lower than the quotes I've been able to get...

Ring specs: 2.50 carat radiant cut, E colour, excellent cut, IGI certified Hidden halo with cathedral setting and diamonds along the band. 14K white gold band.

For the full engagement ring and setting etc. the best quote has been $5000 CAD ($3500 USD roughly) after taxes and everything.

Seems a lot higher than what others are getting for similar. I'm based on Vancouver Island, BC so not a lot of jewellers around to compare with. Is the only way to bring down the cost to use the online retailers? I see the loose stone for less online, but I haven't found a shop that would do the setting locally yet so unsure how much additional that would end up costing.

Any insight, discussions, or recommendations are welcome!!