Call CSA at (877) 880-0975, for some unknown reason, once you select your first PDP level, it defaults to that level for all your future purchases, and you cannot change it online. You may obtain a different coverage on a one time basis by calling or request that your coverage level be changed permanently (or until you call again).
I agree with you, it does not make sense, when I inquired about it, they told me it was a legal issue to avoid discrimination, but we all discriminate on prices and the dollar is always green. In my case, I offer one low level for short term renters and a higher level to large groups, long term or parties. I cannot honestly recommend a $89 fee to a $350 weekend stay but it makes perfect sense to a party.
Hope this helps,