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I've never heard of a timing chain that needed replacing unless there was a serious problem with the engine... I could be wrong. Timing chains do on occasion need replacement. But the difference in a chain and a belt, is that the chain will give you warning of it's immanent failure. The will become noisy, and the engine may become hard to time. Normally a chain will last 150,000-200,000 miles, or even more.

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Q: Does a timing chain ever need replacement on a 95 Saturn SL2?
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