If your sample text reflects a true indication of your needs -- it often doesn't -- then you could use:

$s = '1945,"4,399.00",938,1/10/2012';;

print for $s =~ m[("[^"]+"|[^,]+),]g;;
1945
"4,399.00"
938
[download]

For data that conforms to the original formulation of 'csv' data, rather than the bastardized corruption of that once de-facto standard that is now foisted upon us, this is all you need, and it usually runs several times faster than Text::CSV* modules.