Saturn 2004 L-Series Owner's Manual page 36

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The lap part of the belt should be worn low and snug on
the hips, just touching the thighs. In a crash this
applies force to the strong pelvic bones.
1-30
And you would be less likely to slide under the lap belt.
If you slid under it, the belt would apply force at your
abdomen. This could cause serious or even fatal
injuries. The shoulder belt should go over the shoulder
and across the chest. These parts of the body are
best able to take belt restraining forces.
The safety belt locks if there is a sudden stop or a
crash, or if you pull the belt very quickly out of
the retractor.
CAUTION:
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You can be seriously hurt if your shoulder belt
is too loose. In a crash, you would move
forward too much, which could increase injury.
The shoulder belt should fit against your body.