I only had to pay the $200 deposit and balance 45 days before. I also declined the insurance and then after some modifications it jumped back on. Fortunately I had already done a quote on the webpage and knew what the number should be and had it taken off again. I checked my reservation immediately online and it had all of the prices correct and shows the balance which can be paid online also....I plan to use my disney reward points to pay the balance, which has a section on the pay balance area online.