Are you using Toad for SQL Server? I use the Oracle version (9.7.2), so I don't know if this will be applicable.
Do you have the 'Save Grid Contents' dialog on screen, Export Format: Delimited Text?
Go to String Quoting and pick 'Double Quote String Columns'. Most import tools (including Excel and SQL*Loader) are happy with column values enclosed in double quotes.
Alternatively, you can could change the Delimiter (next option) if your import tool is happy with that . . . I alwasy use ^ - never seen it in data yet . . . :-)