(NewsUSA) — Many people underestimate the safety that headlights provide -; whether it is for seeing the road, pedestrians or other potential obstacles.

Only 25 percent of the driving population takes to the roads at night.

(NewsUSA) - With gas prices on the rise, more Americans are using public transportation, carpooling or consolidating their errands to reduce their time on the road. And insurance companies are starting to take notice.