input: Write a function to create a Python web application for a car insurance calculator. The application should include a route at '/calculate' that accepts a POST request with JSON data containing 'age', 'gender', and 'car_model'. The function should calculate an insurance price based on the input data and return it as a JSON response.
  
  def create_insurance_calculator_app():
      import flask
      from flask import request, jsonify
  
      # Creating the application app
      app = flask.Flask(__name__)
  
      @app.route('/calculate', methods=['POST'])
      def calculate():
          # Get the input data from the user
          data = request.get_json()
  
          age = data['age']
          gender = data['gender']
          car_model = data['car_model']
  
          # Calculate the insurance price
          # ...
          insurance_price = 0.00
  
          # Return the calculated insurance price in JSON format
          return jsonify({'insurance_price': insurance_price})
      
      return app
  
  assert create_insurance_calculator_app().test_client().post('/calculate', json={'age': 25, 'gender': 'male', 'car_model': 'sedan'}).get_json()['insurance_price'] == 0.00
  assert create_insurance_calculator_app().test_client().post('/calculate', json={'age': 30, 'gender': 'female', 'car_model': 'suv'}).get_json()['insurance_price'] == 0.00
  assert create_insurance_calculator_app().test_client().post('/calculate', json={'age': 40, 'gender': 'male', 'car_model': 'sports'}).get_json()['insurance_price'] == 0.00
  assert create_insurance_calculator_app().test_client().post('/calculate', json={'age': 20, 'gender': 'female', 'car_model': 'hatchback'}).get_json()['insurance_price'] == 0.00
  assert create_insurance_calculator_app().test_client().post('/calculate', json={'age': 50, 'gender': 'male', 'car_model': 'luxury'}).get_json()['insurance_price'] == 0.00
output: def create_insurance_calculator_app():
      import flask
      from flask import request, jsonify
  
      app = flask.Flask(__name__)
  
      @app.route('/calculate', methods=['POST'])
      def calculate():
          data = request.get_json()
  
          age = data['age']
          gender = data['gender']
          car_model = data['car_model']
  
          insurance_price = 0.00
  
          return jsonify({'insurance_price': insurance_price})
      
      return app