It seems to me that when you drew this, you thought of the clothes and the body separately. To make things look natural, draw the body first (naked), and then draw the clothes over her, and erase the body parts that the clothes cover later.
If you're having trouble drawing the human body, use reference photos; they are the artist's second best friend. Even if you are drawing anime, you have to remember that anime is based on the normal human body, but stylized so that it is more appealing to the eye. So, it's important to have a good idea of how to draw the human body.
For reference photos, I recommend
PoseManiacs, which is a collection of 3D models that are naked, but don't worry, they don't have skin on them either. XD You can rotate the models too.
Hope it helps!
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