Differences Between Insuring a Car vs. an SUV or Truck Posted on Autos.com Editor. in Auto Insurance. on October 7, 2013. Insuring a car is one of the primary responsibilities that comes with owning or leasing any vehicle. Not only is it required by law, but it helps protect the vehicle owner in the event of an accident. The cost of a driverâs car insurance depends on many factors: the insuredâs driving record, the amount of coverage included in the policy and the type of vehicle being insured, to name a few.