In the case of Vectors: Subscript notation does not insert -- it overwrites.
This rest of this post distils the information from item 1-5 of Effective STL.
If you know the range of your data before hand -- and the size is fixed -- and you won't insert at locations which has data above it -- then you can use insert into vectors without unpleasant side-effects.
However in the general case vector insertions have implications such as shifting members upward and doubling memory when exhausted (which causes a flood of copies from the old vector's objects to locations in the new vector ) when you make ad hoc insertions. Vectors are designed for when you know the locality characteristics of your data..
Vectors come with an insert member function... and this function is very clever with most implementations in that it can infer optimizations from the iterators your supply. Can't you just use this ?
If you want to do ad-hoc insertions of data, you should use a list. Perhaps you can use a list to collect the data and then once its finalized populate a vector using the range based insert or range based constructor ?