If I understand correctly your problem, I think you can use the ssh_config setting 'PreferredAuthentications while using ssh (ssh -o PreferredAuthentications password) to have it prefer the password over the key when you don't want it to use the key. Another option is to disable the ssh-agent bg process which caches your keys and will use them automatically, if this is disabled, then I'm pretty sure you'll need to explicitly set the key with the -i command.
If I understand correctly your problem, I think you can use the ssh_config setting 'PreferredAuthe ntications while using ssh (ssh -o PreferredAuthen tications password) to have it prefer the password over the key when you don't want it to use the key. Another option is to disable the ssh-agent bg process which caches your keys and will use them automatically, if this is disabled, then I'm pretty sure you'll need to explicitly set the key with the -i command.
Hope this helps.