Help in inserting quotes in database

hi, can anybody please tell me how do i insert a string which has quotes in it string. i know that we have to use double quotes before the apostrophe, but the problem is i have to insert 100 rows , each having 80 columns and the the apostrophe can occur in any of these 80 columns. . so shld i check for each column, whether it has a 'quote or not' for each row . please help thanx in advance