If a light meter isn't calibrated, it isn't much use. I agree that you need to calibrate any light meter to your grey card. It's easy as pie to do. Use your meter on incident mode, write down the exposure. Take a photo at the exact distance of the light meter of a certified grey card using the exposure you wrote down (use Manual exposure).
Take this image on your computer and use the eyedropper tool in a photo editor. The closer to 128/128/128 you are, the more accurate your meter and/or camera combination is.
Assuming you do that, however, there is a very quick way to determine exposure. Shoot a test photo using whatever metering method you use. If your camera shows the "blinkies" on any important area you want detail on, you must reduce exposure until the "blinkies" goes away. Using the blinkies method makes sure you haven't set something wrong or made a mistake - it's the absolute final test.