Forget about the phone conversation, you don't need to have a good conversation on the phone. Take her somewhere fun, get physical, and relax.
Phone conversations suck anyway. Why do you want to jabber on the phone like a teenage girl? Make it 5 minutes, set the place to meet, and then it's done. If she doesn't want you to take her all the way home, then have her drive somewhere to meet, then take it from there, and let her drive herself home. I wouldn't object, it's not like she could invite you to stay over anyway. She might just be wanting to save you the trouble of driving all the way out there, like she said.
Phone conversations suck anyway. Why do you want to jabber on the phone like a teenage girl? Make it 5 minutes, set the place to meet, and then it's done. If she doesn't want you to take her all the way home, then have her drive somewhere to meet, then take it from there, and let her drive herself home. I wouldn't object, it's not like she could invite you to stay over anyway. She might just be wanting to save you the trouble of driving all the way out there, like she said.