input: def calculate_insurance(age: int, gender: str, car_model: str) -> float:
      """Calculate the insurance price based on the provided user data.
      
      >>> calculate_insurance(25, 'male', 'Toyota Corolla')
      1200.50
      >>> calculate_insurance(30, 'female', 'Honda Civic')
      1100.00
      >>> calculate_insurance(40, 'female', 'Audi A4')
      1500.75
      """
      # Placeholder calculation logic
      insurance_price = 1000.00  # Example base price
      if age > 30:
          insurance_price -= 100.00
      if gender == 'female':
          insurance_price -= 50.00
      if "luxury" in car_model.lower():
          insurance_price += 500.00
      
      return round(insurance_price, 2)
output:     if age < 25:
          insurance_price += 200.00
      if car_model.lower() in ['toyota corolla', 'honda civic']:
          insurance_price -= 100.00
      
      return round(insurance_price, 2)