"You believe God is one. You do well; the demons also believe, and shudder" James 2:19
Being saved is transferring that head knowledge about God to your heart. It's faith to believe you need salvation from sin and death. Once you believe, put your faith in Jesus, and invite Him to take over your life...you are saved.
We live in a culture that stops at belief, but the bible says we must take that to the next level.
Are you just believing or are you saved?