I have a 96 Geo Tracker. When my daughter goes wheeling with me and sits in the front I disable the air bags.
Under the steering colum is a small yellow box on the end of some wires (all yellow parts are air bag related). Open the box and the air bag fuse is in there. Pull it out and you will diable the air bags.
The light will come on, but when you replace it, it will go off.
Note: Do this only with the key off. By thery the air bag could go off if the key is on.