working paper

Why Do Inner City Residents Pay Higher Premiums? The Determinants of Automobile Insurance Premiums

Publication Date

January 1, 2008

Author(s)

Paul Ong

Abstract

Auto insurance rates can vary dramatically, with much higher premiums in poor and minority areas than elsewhere, even after accounting for individual characteristics, driving history and coverage. This project used a unique data set to examine the relative influence of place-based socioeconomic characteristics (or redlining) and place-based risk factors on the place-based component of automobile insurance premiums. We used a novel approach of combining tract-level census data and car insurance rate quotes from multiple companies for sub-areas within the city of Los Angeles. The quotes are for a hypothetical individual with identical demographic and auto characteristics, driving records and insurance coverage. This method allowed the individual demographic and driving record to be fixed. Multivariate models are then used to estimate the independent contributions of these risk and redlining factors to the place-based component of the car insurance premium. We find that both risk and redlining factors are associated with variations in insurance costs in the place-based component, with black and poor neighborhoods being adversely affected, although risk factors are stronger predictors. However, even after risk factors are taken into account in the model specification, SES factors remain statistically significant. Moreover, simulations show that redlining factors explain more of the gap in auto insurance premiums between black (and Latino) and white neighborhoods and between poor and nonpoor neighborhoods. The findings do not appear sensitive to the individual characteristics of the hypothetical driver.

research report

The personal travel assistant (PTA): Measuring the dynamics of human travel behavior

Abstract

A simple, continuously collected GPS sequence was investigated to determine whether it can be used to accurately measure human behavior. Hybrid Dynamic Mixed Network (HDMN) modeling techniques were applied to learn behaviors given an extended GPS data stream. A key design decision behind the proposed architecture was to use an Enterprise Service Bus (ESB) to provide a communication infrastructure among various components of the application. Personal Travel Assistants running on mobile devices like cell phones could help travelers change their travel plans when routes are affected by crashes or natural disasters.

Suggested Citation
Will Recker, James E. Marca, Craig Rindt and R. Dechter (2010) The personal travel assistant (PTA): Measuring the dynamics of human travel behavior. University of California Transportation Center, p. 46p. Available at: https://escholarship.org/uc/item/94s473v6.

published journal article

Intersectionality of individual and neighborhood-level adverse social determinants of health in early pregnancy

Pregnancy

Publication Date

January 1, 2025

Author(s)

Jameaka L. Hamilton, William A. Grobman, Jiqiang Wu, Lynn M. Yee, David Haas, Becky Mcneil, Brian Mercer, Hyagriv Simhan, Uma Reddy, Robert M. Silver, Samuel Parry, George Saade, Jun Wu, Courtney D. Lynch, Kartik K. Venkatesh

Abstract

Introduction Individual- and neighborhood-level social determinants of health (SDOH) have been assessed separately in pregnancy, but their relationship to one another remains uncertain. We investigated the intersectionality of three neighborhood-level SDOH measures with three individual-level SDOH measures. This was done to examine the concomitant experiences of multiple SDOH in pregnancy. Methods A secondary analysis of data from the Nulliparous Pregnancy Outcomes Study: Monitoring Mothers-To-Be. We assessed three neighborhood-level SDOH measures using geocoded participant home addresses in the first trimester at the census-tract level: (1) high socioeconomic disadvantage (in tertiles) by the 2015 Area Deprivation Index, (2) inadequate food access by the USDA Food Access Research Atlas, and (3) low walkability by the EPA National Walkability Score. We assessed three individual-level SDOH measures: low household income, lower educational attainment, and Medicaid insurance. We examined the combinations of these three neighborhood SDOH and three individual SDOH measures by graphical visualization and using statistical tests to assess overall differences in the distribution of these measures. Results Of 9588 nulliparous individuals, adverse neighborhood-level SDOH [high socioeconomic disadvantage (28%), inadequate food access (24%), and low walkability (66%)] and adverse individual-level SDOH [low household income (19%), lower educational attainment (23%), and Medicaid insurance (33%)] were common in early pregnancy. Six percent of individuals lived in a community with all three adverse neighborhood-level SDOH measures. Of those living in a community with at least two neighborhood-level SDOH measures, 23% lived in areas with inadequate food access and low walkability, 19% with high socioeconomic disadvantage and low walkability, and 1% with high socioeconomic disadvantage and inadequate food access. Overall, 23% lived in a community with no adverse neighborhood-level SDOH, and among this group, 88% had no adverse individual-level SDOH. There were significant differences in adverse individual-level SDOH based on whether individuals lived in a community with all three adverse neighborhood-level measures [low household income (39%), lower educational attainment (44%), Medicaid (55%)], any two measures [low household income (22%), lower educational attainment (27%), Medicaid (37%)], or only one measure [low household income (14%), lower educational attainment (17%), Medicaid (27%)] (p < 0.001 for all). Conclusion Among nulliparous individuals in early pregnancy, the frequency of adverse individual-level SDOH was generally higher when they lived in communities with more adverse neighborhood-level SDOH. Future approaches that identify and classify the multifaceted and multilevel nature of structural determinants as they relate to pregnancy outcomes are needed.

Suggested Citation
Jameaka L. Hamilton, William A. Grobman, Jiqiang Wu, Lynn M. Yee, David Haas, Becky Mcneil, Brian Mercer, Hyagriv Simhan, Uma Reddy, Robert M. Silver, Samuel Parry, George Saade, Jun Wu, Courtney D. Lynch and Kartik K. Venkatesh (2025) “Intersectionality of individual and neighborhood-level adverse social determinants of health in early pregnancy”, Pregnancy, 1(2), p. e70002. Available at: 10.1002/pmf2.70002.

working paper

Population and Employment Densities: Structure and Change

Publication Date

September 5, 1994

Associated Project

Working Paper

UCI-ITS-WP-93-5, UCTC 161

Areas of Expertise

Abstract

We examine spatial patterns and their changes during the 1970s for the Los Angeles region, by estimating monocentric and polycentric density functions for employment and population. Downtown Los Angeles is clearly identified as the statistical monocentric center of the region, and it is the most consistently strong center in the polycentric patterns. Polycentric models fit statistically better than monocentric models, and there was some shift in employment distribution toward a more polycentric pattern. These findings verify the existence of polycentricity in Los Angeles and demonstrate for the first time that employment and especially population follow a polycentric pattern based on exogenously defined employment centers. The results confirm that both employment and population became more dispersed during the 1970s.

Suggested Citation
Kenneth A. Small and Shunfeng Song (1994) Population and Employment Densities: Structure and Change. Working Paper UCI-ITS-WP-93-5, UCTC 161. Institute of Transportation Studies, Irvine. Available at: https://escholarship.org/uc/item/6nk5v6b4.

working paper

Evaluation of 1984 Los Angeles Summer Olympics Traffic Management

Publication Date

December 1, 1987

Working Paper

UCI-ITS-WP-87-8

Areas of Expertise

Abstract

This report presents the results of an evaluation of the Transportation System Management plan employed during the 1984 Los Angeles Summer Olympics. The Summer Olympics presented Los Angeles area transportation planners with an unprecedented challenge: to manage the circulation of an expected 1.2 million  visitors, 6 millions spectators, and nearly 25,000 athletes, media, and Olympic family within a regional transportation system which had reached capacity in many areas. Owing to the lack of both funds and time, capital improvements to meet the anticipated increase were not feasible. Rather, Los Angeles transportation planners had no choice but to develop and implement the most ambitious transportation management program ever attempted.Caltrans District 7, in conjunction with several local transportation agencies and the Los Angeles Olympics Organizing Committee, invested two years of effort in the development of a viable and effective traffic management plan for the 1984 Summer Olympics. From a traffic management perspective, the Los Angeles Summer Olympics were an unqualified success. With few exceptions, major traffic problems failed to materialize, and, for the first time in the recent history of the Olympics, not one group of spectators got stranded and missed an event.The Los Angeles Olympics provided a unique opportunity to test the effectiveness of transportation system management under extreme conditions. The apparent success of the experiment merits close analysis, both in order to identify what worked and what did not, and to determine whether lessons learned from the experience can provide guidelines for future transportation policy decisions.

Suggested Citation
Genevieve Giuliano, Kevin Haboian, Joseph Prashker and Will Recker (1987) Evaluation of 1984 Los Angeles Summer Olympics Traffic Management. Working Paper UCI-ITS-WP-87-8. Institute of Transportation Studies, Irvine. Available at: https://escholarship.org/uc/item/19m6d5m4.

working paper

Home Environment Consequences of Commute Travel Impedance

Publication Date

June 1, 1991

Associated Project

Author(s)

Raymond Novaco, Wendy Kliewer, Alexander Broquet

Working Paper

UCI-ITS-WP-90-6, UCTC 77

Areas of Expertise

Abstract

The physical and perceptual dimensions of commuting travel impedance were again found to have stressful consequences in a study of 99 employees of two companies. This quasi-experimental replication study, which focuses here on home environment consequences, investigated the effects of physical impedance and subjective impedance on multivariate measures of residential satisfaction and personal affect in the home. Both sets of residential outcome measures were found to be significantly related to the two impedance dimensions. As predicted, gender was a significant moderator of physical impedance effects. Females commuting on high physical impedance routes were most negatively affected. Previously found subjective impedance effects on negative home mood, regardless of gender, were strongly replicated with several methods and were buttressed by convergent results with objective indices. The theoretical conjecture that subjective impedance mediates the stress effects of physical impedance was supported for the personal affect cluster but only for one variable in the residential satisfaction cluster. Traffic congestion has increased in metropolitan areas nationwide, and commuters, families, and organizations are absorbing associated hidden costs. The results are reviewed in terms of our ecological model, and the moderating effects of gender are discussed in terms of choice and role constraints.

Suggested Citation
Raymond W. Novaco, Wendy Kliewer and Alexander Broquet (1991) Home Environment Consequences of Commute Travel Impedance. Working Paper UCI-ITS-WP-90-6, UCTC 77. Institute of Transportation Studies, Irvine. Available at: https://escholarship.org/uc/item/1d5742g7.

published journal article

Emissions impacts of a modal shift: A case study of the Southern California ports region

Journal of International Logistics and Trade

Publication Date

December 1, 2007

Abstract

This paper presents a case study examining emissions impacts of a modal shift from on-road trucks to rail for goods movement through the Southern California ports region, one of the severest nonattainment areas in terms of national air quality standards. Recent completion of the Alameda Corridor, a 20-mile rail expressway connecting the Ports of Long Beach and Los Angeles with rail main lines near downtown Los Angeles, provides substantial reserve capacity for port traffic to be diverted from the severely congested road network to the rail line. On-road vehicle emissions were estimated using California’s mobile-source emissions model EMFAC that incorporates a set of emissions factors for each vehicle type and an estimate of vehicle activity. These emissions were then compared with the emissions generated from trains increased to carry freight volume diverted from truck traffic. On the basis of year 2000 traffic level, it was estimated that for a 20% modal shift of port traffic, mobile-source emissions can be reduced up to 0.86 tons for nitrogen oxides and 16 kg for particulates/day. The analysis results indicate encouraging the modal shift for port-related freight traffic should be an integral part of overall air quality improvement initiatives for the study area.

Suggested Citation
Minyoung Park, Amelia Regan and Choon-Heon Yang (2007) “Emissions impacts of a modal shift: A case study of the Southern California ports region”, Journal of International Logistics and Trade, 5(2), pp. 67–81. Available at: 10.24006/jilt.2007.5.2.67.

conference paper

Modeling, analysis, and optimization of Electric Vehicle HVAC systems

2016 21st asia and south pacific design automation conference (ASP-DAC)

Publication Date

January 1, 2016

Author(s)

Mohammad Al Faruque, Korosh Vatanparvar
Suggested Citation
Mohammad Abdullah Al Faruque and Korosh Vatanparvar (2016) “Modeling, analysis, and optimization of Electric Vehicle HVAC systems”, in 2016 21st asia and south pacific design automation conference (ASP-DAC). IEEE. Available at: 10.1109/aspdac.2016.7428048.

working paper

Operating Differences and Restraints Imposed by the Enabling Ordinances of the Fifteen California Transit Districts

Publication Date

November 1, 1976

Author(s)

Al Hollinden, Gordon (Pete) Fielding

Working Paper

UCI-ITS-WP-76-4

Areas of Expertise

Abstract

The Honorable Walter M. Ingalls, Chairman of the California State Assembly Committee on Transportation, requested that the Institute of Transportation Studies, Transit Management Program, complete an analysis of the enabling legislation of the 15 California Transit Districts. This report was prepared in response to this request. A comparison is provided between districts to provide data, and recommendations are made to assist the Transportation Committee when drafting transit legislation. The research validated the concept of separate enabling acts for each district based on the demographic, geographical and political factors peculiar to that district. Therefore, there is no recommendation for the development of a general law for all California transit districts. The difference between the various districts is such that it appears prudent to rely on site-specific legislation drafted with knowledge of provisions applying to established districts. One of the goals of this study was to facilitate the between-district comparisons in existing law. Twenty major issues are highlighted in the report as being worthy of special consideration by the Assembly Transportation Committee. These issues extend over the complete range of subject matter in the enabling acts and represent potential troublesome areas that may have to be modified and amended. In addition to the 20 major issues, numerous other differences are delineated.

Suggested Citation
Al Hollinden and Gordon J. Fielding (1976) Operating Differences and Restraints Imposed by the Enabling Ordinances of the Fifteen California Transit Districts. Working Paper UCI-ITS-WP-76-4. Institute of Transportation Studies, Irvine. Available at: https://escholarship.org/uc/item/4g44893v.