Snorkeling near the reefs outlying the west beach is a customer... But to pick her up, you'll have to drive into the ocean!

Here are the cabby's directions to the beach
At the beginning of the game, grab the person who's nearest to you. (She will want to be taken to the cable car stop.)
After arriving at her destination, let her out and make a sharp left. Snatch the customer with the outrageously large hat. (She will ask to be taken to the West Side Beach.) When you have arrived at the beach, drop her off and head straight into the water!