As others have pointed out you can get FREE SSL certificates on most hosting accounts these days and not to utilise them is bad. Its pretty much a requirement now to have your website on SSL.
As for the difference. Well, a standard SSL (a free one) pretty much protects your site and that's about it. A paid SSL certificate which is most probably going to be an extended one actually validates your business to make sure its real. This can and does prvide confidence to end users that your a legtimate website/business. Generally this is communicated on the frontend via a green addressbar with your business name included. It relaces the standrad small green padlock. Head over to Apple: https://www.apple.com/ and compare it to a standard site which uses an SSL.






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