I have a 2000 chevy prizm with 75,000 on it, and for some reason, it blows the tail light fuse when i turn on the headlights with the car off, but if the car is running, it will not blow the fuse.

This fuse just so happens to take out the instrument panel lights too. Any ideas?
My second thing is, this car didn't come with the overdrive transmission, and i want to put an over drive transmission in it. Has anybody done this? If so, what do i have to do other than get an overdrive transmission to make this work as smoothly as possible? Thanks in advance guys and girls! -Ozzy