If you drive a taxi for a living then you are probably well aware of the fact that January is usually a rough month for people in that particular business given the need to save money that most people have following the Christmas and New Year period. As such, you will undoubtedly look to save money without necessarily reducing your availability and potentially missing fares.
There are ways and means of doing this. One such way is via pay as you go insurance. It can be expensive if you are working constantly through the month but if you anticipate a reduced commercial need then some providers will offer you a tailored policy to suit your demand. These taxi insurance policies are relatively rare but if you begin to look around then you will see that some insurers will help you to spread the burden.