It can give you a huge discount. Do you do it? Why do you do it? Do you feel the savings are significant? What hosting companies do you feel give the best "pay in advance" deals?
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I pay monthly too. It's probably not a better deal but it's just my habit at the moment. Well, you can save a dollar off each month, if you pay for 36 months in advance (for my reseller package).I have paid for a years worth of hosting before, but usually I just go the monthly rate as there's been times where I didn't have the money to do the whole year. I have a lot of sites too, so paying a year in advance is tough to do for all of them.