I've done a few myself (usually involves photography, not drawing or painting) and I've used art from paintings that I've found at flea markets and thrift stores (see below: Dead Souls Doing the Samba) and I've hired an artist. Obviously hiring an artist can get pricey but because this was the beginning of a multiple book series I figured the cost would even out. That is for Bright Morn of Issareth.
Here are my covers and how they came about:
Hired an artist for this.
Found this killer piece at Goodwill and then hired someone to do the lettering as I didn't have a program to give me what I wanted.
This was a photo I took through a screen at the apt. building opposite mine and then diddled with the focus etc.
and did the lettering myself.
This is a photograph with red ink (yeah, I know, that's what it looks like... sigh) and a Santa carving that my uncle did. I did the lettering myself.
This was a painting I found at a garage sale for twenty five cents!!! I did the lettering myself and I also played with the coloring a little on "Paint"
This is a photo I took of a bunch of pink roses (the pink can be seen in the banner) and then I altered the color, obviously. The letter was me. I fail miserably at fonts... sigh I see that the pink banner is showing through and not the actual cover... oops but if you click on it you'll see.
Hope everyone's advice is giving you great ideas.
Write hard, write true.