An easy way to make a Quote template is simply to have a Quote that you duplicate when you want to start a new one. Put it as a favorite, so it is easy to access quickly, and duplicate it every time you need a similar one.
The process can be made more intelligent, of course, with some extra automatism. But I would say it’s probably hard to do with Workflows and easier to achieve with logic hooks or even client-side customizations. Are you a PHP / Javascript developer, or do you have one there to work on this?