If you wish to create a webcomic but don’t have drawing skills, Pikkipi does the work for you – it allows you to make up different character models, put them in poses, and compose scenes that can be inserted into a webcomic.
You can add the speech bubbles and frame the shots using any design software – or better yet a comic layout program. For example, a lot of Apple Macs come with Comic Life which is a very easy tool for laying out panels and text captions (you can get it for Windows too).
If you’re interested in learning more about webcomics, here’s a couple of links to check out: