Hi @John28850210ubid,
Thanks for the question. Here are the rules of thumb regarding an Overwrite and an Insert Edit (what you described in your post):
To perform an Insert or Overwrite edit by dragging a clip to the Program panel, do the following: Drag-and-drop to overwrite edit (default drag, no modifier). Drag-and-drop to Insert edit (hold down Command/Ctrl key modifier).
You must use a modifier for an Insert Edit, sorry about that.
More info: https://helpx.adobe.com/premiere-pro/using/adding-clips-sequences.html
Thanks,
Kevin
Kevin Monahan - Sr. Community and Engagement Strategist – Adobe Pro Video and Audio