I would say since you have a large bulky coat over, wear a smaller belt over both the dress and the cardigan to cinch in your waist. For fall it'd look super cute with a beret with the same kind of fabric as the cardigan, tights and boots.
I'd try to incorporate maybe a pop of color with a scarf also.
But I would switch out the cardigan for maybe a cropped leather jacket, and wear it with a scarf, boots, tights and a beret.
blegh horizontal stripes. Don't you see what it's doing to your hips?
Get a cropped jacket.
What is it doing to her hips that looks bad? I think it looks great on her.
And I agree, it's a very casual dress. A cropped jacket of some sort would look a lot better than the cardigan. The cardigan just needs to go away...forever. I like the design of the belt, but a different color would be better.