It's probably interference. Commercial areas have a ton of WiFi signals, 4G/5G mobile networks, and other devices using the 2.4GHz band, which is exactly where Bluetooth operates. When there's a lot of frequency saturation, the car stereo loses the connection because your phone and the head unit can't maintain the pairing.
The first thing you can do is forget the device from the car stereo and re-pair your phone from scratch. Sometimes the stored data gets corrupted and a fresh connection works better. If it keeps disconnecting in those places anyway, try disabling WiFi on your phone while driving (if it's safe), because sometimes the phone tries to jump between networks and that causes conflicts with Bluetooth. Also update the head unit's firmware if there's an update available; manufacturers often release updates specifically to improve Bluetooth connection stability.
If none of that works, the car stereo's Bluetooth module might be starting to fail, though that's less likely if it only happens in certain places. In that case you'd need to have the module replaced or check if there's a loose cable connected to the head unit that's causing intermittent issues.