Kelly,
If you're booking a package, you can pay $200 down and then pay however often you like towards your balance, as long as the balance is paid 45 days prior to arrival. AAA handles this the same. But if you book through AAA or another
travel agency, you have to make your payments through them since they essentially own your reservation.
If you're booking room-only, you pay for the first night or $200 down, then nothing else until check-in.
Someone correct me if I'm wrong on the room-only.