You should look into the California Vehicle Repair Assistance Program.
www.smogtips.com/consumer_assistance.cfm
If you are eligible, the program will pay up to $500.00 in repairs to a CAP certified station in order to get your Saturn to pass the smog test. If after the money spent still doesn't get your car to pass the smog check, you may be issued a one-time 2 year smog check waiver.
If you are not eligible for the program, you will be required to cover the costs of repairing the vehicle yourself until it passes to test. You will not be able to legally drive the vehicle if it does not have current and valid registration.