Your first responsibility doesn’t involve her. It involves figuring out your family finances. What can you afford? What can she expect in terms of financial aid (if anything)? Are any schools out of the question unless she gets a merit scholarship?
Since she’s a junior, you should also be making sure that she signs up for the PSAT this fall.
Beyond that, you don’t have to rush things if she’s reluctant to start too early. But as junior year goes on, you may want to raise the issues of (1) taking the SAT or ACT as a junior so that she has time to take it over as a senior if she is disappointed with her first-try scores, (2) finding out whether she wants to visit colleges during Spring Break or other convenient times during the year (you could put this in terms of you or your spouse needing to request the necessary time off from work), (3) figuring out whether it would be a good idea for her to take SAT Subject Tests at the end of this year (this is a really good question because it involves figuring out, to some extent, what sort of colleges interest her, as well as understanding how her high school curriculum meshes with the Subject Test content).