There are thousands of templates available at very reasonable prices or free. If you are using a free template, it will be necessary to include an acknowledgement link. A license should be obtained, if required, prior to using any template.
The advantage of using a template is that they are professionally designed and very eye pleasing. You will be able to find a template that suits your style and needs exactly without having to hire a graphic designer. The disadvantage is that templates are not very flexible. You will be restricted on where you can insert your information.
Free CSS Templates offers thousands of free and reasonable templates. Most of the following templates are samples obtained from Free CSS Templates.
Just Dreamweaver offfers a small selection of very professional free and reasonably priced templates.