Generally, there are no necessities for you to purchase an additional service contract when buying a new car. He the claims dealer you need this contract, call the lender & check he this is. Additionally, cars dealer should not require you to sign this contract you purchased your car through financing.
Do not be like other buyers car who could not cancel their service contracts after learning they were not needed. You see a fee for a specific service contract that you disagree with, ask the dealer to remove this before signing the loan documents. Additionally, beware of some unscrupulous cars dealers who may try to sneak an auto service contract into your cars loan without your permission.