How do you know when your water pump or timing belt is on its way out? on 1999 Plymouth Breeze

When I got back in my car today I heard a continual sound that was like something was loose under my car and dragging or a rattling/chattering sound while my car was sitting idle. I popped the hood and the sound seem to come from the timing belt/water pump area.. What can I do to fix it or is this the sounds of my water pump going out?

Asked by for the 1999 Plymouth Breeze
most water pumps have a bearing, good indication and if it leaks replace the water pump, while you are doing that, chnge the timing belt too. Most cars that have a timing belt should have it changed every 50.000 miles