Having DRL's is one of only two discounts my insurance company offers for safety features. The other discount they offer for is automatic seatbelts, a feature that hasn't been built into a car since the mid '90s. I love USAA, but they seriously need to catch up on more modern safety features, and offer a discount for them - BSM, SCBS, Anti-lock, Traction control, etc. are all items for which I should get a discount.
Just my two cents though - I can not fathom why someone would want to disable DRL's.