You seem to be in the majority. I found a rather dated survey that indicated 87% of the responders pronounce it "you are el", 8% pronounce it "earl" and 3% pronounce it "yurl." So under the general rule of writing to your audience I would go with "a URL"
On a side note though, it has no relevance with which article would be proper if you spelled out the acronym. The rule for "a" verses "an" is how the next word is pronounced. So the proper grammar would be "An FBI agent..." because "FBI" is pronounced "eff bee eye," but if you spelled it out it would be "A Federal Bureau of Investigation agent...."
--------------
Ian Skinner
Web Programmer
BloodSource
www.BloodSource.org
Sacramento, CA
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