depends, if your using a basic 1/4 wave antenna.. you get unity gain and a high radiation angle so mounting it up higher or on fender wont really matter.. a 1/2 wave or 5/8 wave will get better gain and more likely to reach to horizons (which is further away with more height), so with a bigger/flatter ground plane and would do better on roof or roof racks if they are properly grounded.. you still have the vehicle roof an inch or so below that is going to do alot of the work... a 1/4 wave is good in mountain terrain with mountain top repeaters above yeh and lots of elevation variances, in flat land a 1/2 or 5/8 will perform better.. many keep both on hand and change out as required, and also providing a backup spare.
fender would be best spot if you do forest trails on a Jeep, you can see an see an incoming impact.. reach out and lift the branch out of the way, cut it off or fold/remove antenna before damaging it..