As noted, for comma-delimited quoted data cells, you'll have to do something about , and " in the actual data. There should be a way to "escape" those characters in Excel (as it is a database first and foremost). Once you know the escape sequence, it's a simple string substitution before writing data into a cell.
"cell data", "cell2 data", "cell3 data", "data with , is fine", "data with a quote "" requires that the quote be doubled", "another data item"
It's not that bad--just check each data item and escape any double quotes as "" first, THEN add it to the current line of text. Delimit as always. Each line starts and ends with " and "," goes between each data item.