Who charges it
- Imposed by
- the dealer, as an optional product
- Legal status
- Optional — never required to buy the car or get the loan
- Negotiable?
- Yes — typically removable from the order
- Attention level
- low
Dealer add-ons
Mud Flaps
Physical accessory; useful in some climates.
Negotiable: Yes — typically removable from the order
Benchmark range
$60–$200
typical $120
- Carlarity operator benchmark (starting hypotheses from the 2026-09-07 brief, cross-checked against dealer F&I menus) — F&I ancillary product starting ranges (secondary source, accessed 2026-09-07)
The report pre-fills $149 for this line as a catalog starting point you can overwrite; it is not a market benchmark.
Why it matters
A real accessory with a manufacturer list price. Dealer-installed accessories are usually priced above the online OEM parts price plus labor.
What to ask at the desk
“Please match this to the manufacturer's accessory price and confirm installation is included.”
What Carlarity evaluates
- Classifies the line as mud flaps / splash guards from its name and aliases, and compared with the accessory's retail price.
- Compares the quoted amount with the benchmark range above and states any potential excess as a range, never a point estimate.
- Checks the coverage term against the factory warranty still in force, and states the overlap.
- Keeps government, manufacturer and lender charges out of the negotiable total by construction.
Reading this page
Legal and expensive are two different questions. An optional product can be entirely legitimate and still cost more on the buyer’s order than the same coverage elsewhere; a low-value item can be fairly priced. This page tells you what the product is, who is charging for it and what a fair range looks like. Your report judges your actual quote against that range, as part of the whole deal.
Benchmarks are market ranges from the sources cited, not exact prices, verified 2026-09-07. Nothing on this page is legal or financial advice. The product’s contract terms decide its value on your deal.