input: Write a function to create a Python web application for a car insurance calculator using Flask. The application should include a route named '/calculate' which accepts POST requests containing user input data like age, gender, and car model. The function should return the calculated insurance price in JSON format.
  assert calculate({
      'age': 25,
      'gender': 'male',
      'car_model': 'sedan'
  }) == {'insurance_price': 0.00}
  assert calculate({
      'age': 30,
      'gender': 'female',
      'car_model': 'SUV'
  }) == {'insurance_price': 0.00}
  assert calculate({
      'age': 45,
      'gender': 'male',
      'car_model': 'sports'
  }) == {'insurance_price': 0.00}
output: 
  from flask import Flask, request, jsonify
  
  app = Flask(__name__)
  
  @app.route('/calculate', methods=['POST'])
  def calculate():
      data = request.json
      age = data.get('age')
      gender = data.get('gender')
      car_model = data.get('car_model')
      
      insurance_price = 0.00
      
      return jsonify({'insurance_price': insurance_price})
  