BCP output - adding double quotes to text

Experts,

How can I program BCP to output text items in double quotes (")?
Here is an example (please try it) that trys to output some columns from a table to csv file.  However, due to the existence of commas within the fields, the comma separation gets messed up.

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USE [MASTER]

IF EXISTS (SELECT 1 FROM sysobjects WHERE name = 'mcg1')
      DROP TABLE mcg1
go

CREATE TABLE mcg1
      (pk            INT       IDENTITY(1,1)
      ,Address_1      VARCHAR(100)
      ,City            VARCHAR(100))
go

INSERT INTO mcg1 (Address_1, City) VALUES ('100 Road1, Suburb1' , 'BigCity1')
INSERT INTO mcg1 (Address_1, City) VALUES ('200 Road2, Suburb2' , 'BigCity2')

SELECT * FROM mcg1

Exec Master..xp_Cmdshell 'bcp "SELECT Address_1, City FROM mcg1" queryout "C:\mcg1.csv" -c -t,"'

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The output I get is below.  You can see how the use of commas in the text makes the comma separate list all confused
100 Road1, Suburb1,BigCity1
200 Road2, Suburb2,BigCity2

Thus what I want is
"100 Road1, Suburb1","BigCity1"
"200 Road2, Suburb2","BigCity2"

You can do this OK in DTS by specifying the text identifier to be double-quotes.
I do NOT want to use DTS and want to be able to do via a T-SQL procedure.  Note that the real table I will export from has numeric datatypes and I would prefer NOT to wrap them in double-quotes too.

Thus, for the points, how can I alter the Exec Master..xp_Cmdshell command, to wrap each text field in double quotes.  I may have to use a format file in which case please provide the format file too.

Thanks in advance
Meowsh