I.e. "The cars are the photons and the waves of cars as they stop and start down the line are the wave portion so traffic is both wave and particulate."
And here's why - the particles (the cars) always always ALWAYS move at *exactly* the same speed (c = 186,000 miles / second). That never changes.
Even when light "slows down" as it moves through air or glass, the particles (photons) STILL move at exactly the same speed (c).
Now I know that sounds crazy, but it actually makes sense if you look at what happens when light moves through vacuum, as opposed to what happens when it moves through something like, say, glass.
When light moves through vacuum the photons have nothing at all to run into. So they just zip along, pefectly happy, at the ONLY speed they EVER move at, which is "C", the "speed of light in a vacuum", which is 186,000 miles /second.
But when light moves through glass the photons have PLENTY of things to run into. They have gazzillions of glass molecules to run into. And each and every time the photons run smack into one of the atoms of a glass molecule they have to take time to go through an energy exchange process.
1) The photon hits one of the atoms in one of the glass molecules.
2) The photon turns into energy, pure "kinetic" energy, as in the photon TOTALLY ceases to exist. For a split second there is no photon.
3) That energy boosts the electrons of the atom it hit into a higher orbit.
Picture a tether ball (an electron) swinging around a pole on a string (the "pole" being the nucleus of the atom). When the photon hits the electron it's like smacking the tether ball as it goes by to make it go around the pole even faster.
4) But the electrons won't stay in that higher orbit. In a split second the electrons drop right back down into their original orbit. When that happens, a new photon is thrown off by the atom.
5) That new photon now continues on it's way just as though it was the original photon.
Now even though the photon was moving at *exactly* 186,000 miles / second (called "C") when it hit the atom, and even though the new photon thrown off by the atom also moves at exactly 186,000 miles / second, it takes a brief instant for the photon to disappear, the electrons to move into a higher orbit, then drop back down to their original orbit, and a new photon to be thrown off.
So a good car analogy would go more like this:
The photon is like a car with a blind driver. As long as there's nothing to hit, fine, the photon just drives along at the speed of "C".
But when the photon starts to go through glass it's got all these glass molecules in the way. The photon always drives at exactly the same speed ("C"), but every time it runs into an atom, it has to stop for a second, exchange insurance information, and then continue on it's way (again traveling at exactly the speed "C"), until it hits ANOTHER atom, has to stop again to exchange insurance info with that one, before it can continue on again, until it hits yet ANOTHER atom...
So if you think of it THAT way it's easy to see why light moves through a vacuum more quickly than it moves through glass, even though the photon always, always always ALWAYS, moves at just one speed, which is 186,000 miles / second.
When a photon moves through vacuum it's got nothing to hit so it makes no stops.
But when a photon moves through glass it's CONSTANTLY running into things (atoms), so it makes a LOT of stops, so it takes more time for it to make its way through glass than it does to make its way through vacuum.
Make more sense?
So the bottom line here is that the photons, the "particles of light", are not like cars speeding up and slowing down in waves. The photons, (the cars), never ever speed up or slow down, not ever, not even a little bit. They all move at exactly the same speed, all the time, so they can't bunch up like cars.
I know exactly the problem you're having, because I had exactly the same problem with this when I was in 12th grade.
It bugs you out, TOTALLY, because you just can't wrap your head around the idea that photons just plane flat out aren't "like" anything at all in the "normal" world that you can picture in your head.
The plane fact of the matter is that "photons" are only "really like" photons, and "light waves" are only "really like" light waves. They're the same thing (photons and light waves), and they're different than anything in the "real world" that you can picture in your head.
So in a way all of us are like a blind man trying to picture in our heads what the color red looks like even though we can't see, and have never seen, the color "red".
"Red" light exists, it's very VERY real, it's not "just theory", but it's something that no matter how hard you try, if you're blind, you just can't imagine or picture what the color red is "really like" in your head.
The fact that light is made up of something that behaves like a particle AND a wave, all at the same time, is a bit like that. Just because we can't imagine in our heads exactly what it's "really like" doesn't change the fact that light behaves the way it does. In reality light is made of something that BEHAVES like it's made of particles (photons), and BEHAVES like it's made up of waves, but isn't really either of those things. It's made up of something that isn't like anything in our normal world that you can picture in your head any more than a blind guy can picture what the color red is "really like".
Frustrating I know, but you're going to find that there are a lot of things in science that are like this, things you can come to understand in that you can predict EXACTLY how they're going to behave (in particular with mathematics), but at the same time things that are nearly impossible to picture what they're "really like" in your head. Nature is chuck full of things that aren't "really like" anything at all that you can pick up and hold in your hand. But that doesn't stop you from figuring out how they behave, or how to make use of the behaviors you observe.
Science can in fact take you beyond the boundries of limited human imagination. All you have to do is learn to ...

"Let go Luke".