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Check your manual. If it says that flat-towing is permitted (aka dinghy-towing), then you can coast in neutral without damaging your tranny or shortening its life. If it recommends not shifting to neutral above 35 mph, then follow that recommendation.
Just because you can coast in neutral with the engine running, does not mean you should. Modern engines cut off the fuel to the the cylinders when coasting (DFCO), so shifting to neutral would actually use more fuel than if you left it in gear, unless the engine braking is enough to force you to use throttle to maintain speed. Shutting off the engine while in neutral will indeed save gas, but is controversial due to safety considerations. YMMV.
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