Simple way, create a report that you like, that has the elements that you want to be in every report, then save it to the same location as the rest of the templates. Mine is located at: C:\Program Files\Business Objects\Crystal Reports 11.5\Templates\en
Then when you want to use the template, open a new report. This is the most IMPORTANT part, before you do anything, click Report/Template Expert and select the report template that you want. Now continue as before.
Why is this important? Every time you load a template, it wipes the report back to what the template is, so if you had fields and groups placed, they are all gone, start again. But, it makes life so much easier if you have alot that you use every report. I don't, but it still makes things so much easier as I don't have to reformat each report for the minutae that is in every reoprt.
HTH