I currently have a soft and I'll be moving to Maine this winter. Does anyone know of any way to insulate my soft top. Should I just spend the money on a hard top?

 

Yes.
A good snow load can ruin the soft top, and freezing temps make vinyls brittle.
Autumn and spring changeovers are a way of life-enjoy.

 

depending on the level of "north" you are going I would seriously consider a hard top. to insulate the soft top you would need to stitch up a liner for it and to me that money would be better invested in something with a rear windshield wiper.

trust me, you WANT a rear windshield wiper..and maybe a defroster....or both.