If you're so busy servicing clients in your current capacity, then you may be licensed as a California broker, but you're really a CSR because you're not bringing in any new business. After two years, if you're not picking up on what's what in the operation of an agency business model, even a small one working a rented desk in a real estate office, then in my opinion, you're not ready to risk your own capital in a self employed business venture. Given the current state of the California real estate market, you're going to need a whole heck of a lot more propsecting help than what can be gained with in house referrals.
If indeed your career path has self employment as an insurance agency owner in the future, then you'll have to take a whole lot more initiative in the present circumstances to learn more than what you're getting as a servicing agent. Sure, you can take the leap, scramble to get some standard and substandard P&C direct appointments (those are not that hard to get), but preferred appointments will be a lot tougher and require a stated business plan including capitalization and initiatives to prospect and bring in new clients. You're not demonstrating to me, at least, that you're anywhere near that point.
Broaden your horizons where you're at...ask lots of questions about the acquisition of new biz and quietly study the business model. If you've got the smarts and initiative, you'll begin to pick up on the basics and more advanced points. Or, make the leap now and you'll likely have lots of financial scars and stories that will make you the life of any party in future years.