Misleading ad! Tired of hearing an ad on the radio...

Misleading ad! Tired of hearing an ad on the radio that says that if your insurance rate goes up without giving parts, go to the mutual, since I've been in the mutual for many years without giving a part and every year the fee is gradually increasing. .
The answer they give me when claiming is basically that it does not matter what parts I give, because if they have losses they will raise it anyway.