From the Allpar site, 1938 Plymouth:
Modern observers may be surprised that the lower-priced Roadking series came standard with two-toning. That is because all Roadking fenders were painted black no matter what body color was chosen. (Of course, if black was chosen as the body color, the whole car was black.) Roadking buyers had to pay an extra five dollars to get the fenders painted to match the body. All Deluxe models were painted with a single color.
1939 Plymouth (year of O.P.'s car):
Bodies were available in solid colors only, although the fenders and sheetmetal parts could be ordered in a second color if so desired. Prior to 1939, the Roadking models had all received a two-tone treatment with the fenders being painted black (solid colors were optional), but now the Roadking and Deluxe were painted alike.
There may be other years & makes....Dodge, Chrysler, DeSoto, but I only checked the 2 included, since I have a '38 & the O.P.'s car is a '39 Plymouth.