If you pay for the year, it does not auto renew at the price you are paying now. So if they raise the rate during the year, you will pay more next year. I just don't want to have to worry about renewing or paying more so I'm happy just paying the monthly. I find it's well worth it for all you get and will be getting in the future.Not sure I understand....if you pay the year's worth at the going rate, you should not be paying more if they raise it during your year...correct?