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HEADLAMP ASSEMBLY OR HEADLAMP BULB REPLACEMENT REMOVAL PROCEDURE CAUTION: Halogen bulbs contain a gas under pressure. Handling a bulb improperly could cause it to shatter into flying glass fragments. To help avoid personal injury:Turn off the headlamp switch and allow the bulb to cool before changing bulbs. Leave the headlamp switch off until the bulb change is complete. Always wear eye protection when changing a halogen bulb. Handle the bulb only by its base. Avoid touching the glass. Do not drop or scratch the bulb. Keep moisture away. Place the used bulb in the new bulb's carton and dispose of it properly. Keep halogen bulbs out of the reach of children.
Here is the diagram to remove the fuse box:
According to the Saturn manual, you need to remove the headlamp assy. to replace the headlight bulb. I would suggest following the recommended procedure. You may try to remove the fusebox to access the bulb, but I believe that would take more work than is necessary.
Please let me know if there is anything else I can do to assist you.