How many days are you driving vs. away - like are you away for a few months, then back for a few weeks? Or are you back a day or two throughout the month?
If there is any consistency to it (and possibly even if not) here is what you can do:
You can ask the insurance company to downgrade your car to just comprehensive coverage, when you are out of town. It might be called "parking coverage". Then when you are going to use it, you add collision and liability back on. The comprehensive coverage is really cheap, so you pay barely any money.
I worked for The Co-operators. We did this all the time. Usually for more seasonal things like summer fancy cars and RVs. But it's possible with any car. They got new software a couple years ago that makes changes like this super easy.
I don't know what corporate or underwriters thought about this, but I didn't care, because I didn't have an onsite boss, and it took literally 2 minutes for me to change in the computer system. (I was a licensed insurance advisor.) It was all computerized, so no one really checked it.
It's also easier if you're on a monthly payment plan because then your next payment just gets adjusted. We didn't have to worry about payments or reimbursements at all then. Those were the best.
I think they may have even removed the extra charge from the monthly plan (I haven't worked there in a year now, so I'm not sure.)
Just make friends with your local office and if you are friendly about it, hopefully they will take care of you, like I would have.
The important thing is to make sure you are never actually driving it without the full liability coverage on it.
IIRC, we didn't have a way to put a time frame on the drop of coverage. You'd have to tell us when you were back in town.