Why when i place a clip into the timeline does the audio ONLY override the current audio track

Hi all,

ive been used Premiere for quite some time.

and i STILL can not get my head around placing clips into the timeline.

if i have

V1, V2, V3

and

A1, A2 ,A3

and i have a clip occupying V1 and A1 and i want to place a clip above V1 and into V2 WHY WHY WHY does it ALWAYS override the audio in A1!!!! why??? it sooooooooooooooooo annoying.

this is soooooooo frustrating.

please view attached video

HELP?