I'm assuming that you wouldn't be comfortable asking your parents if you could have the house to yourself because you're having a girl over. Luckily for me I just told my dad that my I was going to have my girlfriend come over for a movie, and he said he would go out with his friends and I just drop my sister off at a friends house. :-)
If that's out of the question, what about the car? My girlfriend and I have hooked up in the back in my Bimmer a few times. It's actually really nice since I have a computer in the car, so you can go park somewhere nice (the beach, the woods, mountains, etc), put some music on and keep the heat on and just hang out in the back seats.
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