If I have a vehicle loan and pay 200.00 more on each monthly note of 900.00 for a year for example, would that put me ahead to where I could skip a note and not be in any kind of default?

Yes it will put you ahead!

Paying more than contract amount is your choice, not payment obligation. You are required to pay contract amount monthly. To skip a note best to contact lender and allow them to set up a skip amount to avoid late payment on your credit rating. If not computer system will flag you as deliquent payment late 30 days. My laymen opinion.