Is it as simple as physically disconnecting the car's modem, or wrapping its cell antenna with an RF-blocking material?
I had to do something similar to a sound system I owned. For some reason, they added Bluetooth with absolutely no authentication, so anyone in range could pair to it. I just removed the Bluetooth adaptor (it uses I2C and/or SMBus to communicate with the rest of the system).
You had a great point (about FCC) and I'll see if I can do something about this for the cars I plan on getting.
If I were to hazard a guess, the actual modem you are looking for if in the dash, as it seems that is where the "entertainment brains" are.