Yup, I know all about those NADA towing weights.
My 1707T, with the options that were factory installed (drop-down bunk, air conditioner, microwave, awning, TV antenna, spare tire, stabilizer jacks, etc.), in other words, the things you normally find on a trailer, supposedly has an "empty" weight of around 3200#, giving it a 500# extra cargo capacity. The empty weight does not include 300# for fresh water or 40# for filled LP gas.
In fact, my trailer weighed "empty" except for filled LP bottles weighed 3500# measured on a CAT scale. Adding fresh water to the tank takes me right to the listed max weight of about 3800#.
The tongue weight was a bit over 600# with full fresh water and that, plus the weight of my Weight Distributing Hitch, came almost to the limit of my 2005 Ford F150's axle weight limits, again, measured on a CAT scale. And my truck has a towing weight limit of 8700#. It has plenty of "engine" to pull, but the suspension is the limiting factor.
I had the axle moved three inches forward on the trailer to reduce the tongue weight to the value it was supposed to be according to the HiLo documentation, upgraded the tires on it to Load Range D and have installed Load Range E tires on my truck.
You can take a chance with your Saturn, but I think you are asking for a LOT of trouble. Ideally, you should not exceed 80% of the rated towing capacity anyway. You are already well past that.
Get a bigger towing vehicle, or pull a tent popup.
- Jack