well, I think that the url name will have some influence (though the seo experts that I have read don't give it much influence, meaning a low value)...
but I feel the title and description metatags, keyword optimization as much more important than anything else..
Thus one should first focus on important issues of on-page optimization SEO..... The later on you could try out some good domain name, because it certainly doesn't hurt to have keywords in domain name...