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This is a little late in replying, but I just joined the group. For
practical purposes, fog lights with clear lenses make great DRLs. I
don't know about for insurance purposes.
The manual for my 2000 Prelude, which I am trading in on a Civic GX,
shows DRLs for Canadian models, I think starting in '97 so I bet
there are factory DRLs for Canadian Civics as well, if you want to
stay factory.
It doesn't help with insurance, but I generally just turn my
headlights on all the time. The only problem is that the clock dims
out.
Regards,
Ian "Civic GX on order" Bower
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