'Rule of Thumb' for Addressing Cover Letters?

Dear Experts, I was wondering what I should do if I do not have a specific person to refer to with my cover letter. Should I call the organization and ask them about the hiring manager? Or I heard that writing "Dear Prospective Employer" is a good way to work past this issue. Our Twitter Advice Project (T.A.P.) is no longer an active campaign. To find an answer to the above question, please use the "Search" box in the right-hand column of this website.

Man on laptop enjoys summer while working full time
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There you are: sitting on the beach, covered in sunscreen, reading your favorite book, drinking your favorite drink under the cool shade of an umbrella. Life doesn't get any better than this. Suddenly, a door slams, a phone rings, a printer turns on. You jolt back into consciousness. You're at work, sitting in your cubicle, without even a hint of sunshine streaming in from outside.

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