Cursor question

In insert mode I have a blinking vertical bar as cursor.

I noted a strange thing when I'm in insert mode:
I have to click with the mouse on the next letter in order to put the vertical bar before this letter.
When I click on the space between two letters the cursor goes to the space before the previous letter:

In notepad and in other applications on my windows system (p.e. writing this message in my browser), the vertical bar goes where I click with the mouse.

I would like to have this also in vim.
What can I do to obtain this?

This is what I have in _vimrc:
set guicursor=i-c-ci:ver20-Cursor,r-cr:hor10-RCursor

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