How critical is your 440/UHF antenna performance?
Using a straight 2m 1/4 wave on 440, you'd lose a little over an S unit (6~8dB) on 440 as a 3/4 wave. If that performance hit is acceptable, then the easy solution is a Sti-Co or Signal Stick nitinol whip 1/4 wave antenna. Nitinol whip will easily flex over completely as you go in your garage and pop back up* when you leave.
I used a Sti-Co antenna on my SUV for a few years, there was about 3 inches of clearance between the vehicle roof and the garage door opening.
(*Nitinol "springiness" is a temperature-dependent characteristic. Depending on the exact alloy, below a certain temperature, the nitinol will flex but then stay flexed and not pop back to straight, until the temperature warms up. Depending on the alloy, that temperature is generally somewhere between -10F and about 15~20F. If you're in a really cold climate, nitinol might not be a good choice.)