How does car insurance work?

im sure this is a really dumb question, but dont know the first thing about car insurance. I'll be 19 next month & i'm going to get my license before this month is over. I've had my permit for almost 2 yrs now & just been waiting to get money saved up for a car & insurance. I'd like an SUV but i've heard that it costs more to have insurance on an SUV? is this true? Are there any specific cars that are better [meaning less expensive] to get insurance on?

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