If an insurance company can’t find data on you when they expect it, won’t they just charge you the high risk premium?

If you won’t tell them whether you have a car alarm or a secure garage they just assume you don’t.

One of the automakers in the article claims that voids your warranty. It may or may not but enjoy the legal battle should you ever need to make a claim.

It does not. There are laws against voiding a warranty based on aftermarket modifications made by the end user. This is the case in the USA at least.