Hello Tia,
Shared SSL works through a different URL which includes hostname of the server. You can see my post located at
Shared SSL Certificates Added. for detailed explanation.
Advantage of having dedicated SSL is to gain trust of your potential buyers. Some customers may feel uncomfortable to put their CC details on a
website hosting which has different secure URL.
If you are want your customers to put their credit card details on your shopping cart then dedicated SSL is much better. If you are planning to use payment gateway like paypal, 2checkout, worldpay or nochex then you dont need SSL certificate as your customers will be redirected on secure form of this gateways and they will put their credit card information on their
website hosting so you don't need SSL certificate on your shopping cart.
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