Shape your edge flow. With the right edge flow a model will want to look human. A good way to put it is if you made a balloon out of your model with edges being more elastic then faces and you blew into it would it grow into a human or quickly turn back into a tube. Models with the geometry in a grid like the one you have are hard to work with because the don't want to look the way the do. They want to be primitives. They are primitives, just shaped into human form.

In the early stages of a model you don't want it to look right. First it needs to work right, then you can shape it into a thousand different proportions that all look right. All because the foundation is there. It comes down to do you want to move 50 verts to correct your anatomy, which you will need to, or move five.

***Edit***
Just noticed that you hip bone is not defined. I thinks it make her look less shapely and more round.