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Pricing is very subjective. It depends a lot on your area, the coverage, the design, artist's experience and reputation, their past experience with you, their mood, etc., etc. I wouldn't have a problem asking them (very nicely and non-judgementally) to explain the price and say I thought it would be less. A decent artist shouldn't have a problem explaining that to the person paying for their service. At the end of the day, you have 2 choices. Pay their price or go to someone else. You're not shopping for a can of soup.

if you are not 100% comfortable with a neck tattoo then don't get it,simple enough. yes,hand & neck tattoos are a serious step,I have both and I am good with it,but you need to be sure,or don't do it yet.