Creating excellent eCovers requires extensive knowledge of Graphics Design and skills in Graphics design software. If you have no or limited graphic design skills then there are few options to choose from.
1) First option is to use an eCovers Creator software App. They create eCovers in minutes but require Graphics Design skills and the quality of the graphics is better than MS Paint but not good. Usually cost around $49-$97.
2) Second Option is to use Actionscripts to create eCovers. They also create eCovers in minutes but require skills in Graphics Design but the quality of the graphics is excellent. They also require expensive Adobe Photoshop software which costs around $300-$900 while the Actionscripts themselves costs around $47-$127.
3) Third option is to use readymade eCovers Templates. They are faster to produce than any of the above 2 options. The quality of the graphics produce is excellent, require no expensive software and can use free GIMP (download at http://www.gimp.org) App. No graphic design skill is needed. Cost around $20-$47.
In my opinion, if you have no or limited graphic design skills then go for option 3 as they are quick to create eCovers and least expensive.