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A minority of people base their viewpoints on their philosophical findings and worldview, which must be consciously developed through careful self-reflection, self-analysis, and a depth and breadth of thinking themselves to their own conclusions.  A philosophical underpinning attempts to understand why things are as they are, and continues this inquiry as new experiences arise.  However, the majority of people base their viewpoints on their ideological alignments, which are concepts and worldviews that they take on from outside of themselves from external authority figures, circumstances, and biology, etc., and they unconsciously repeat them as if they were true, and they will remain as unchallenged assumptions and premises within themselves.  An ideological underpinning does not attempt to understand why things are as they are, does not challenge the status quo, and does not actually think. 

It is possible for an ideology to appear the same as a philosophy, for example, Libertarianism is an ideology that appears similar to, and purports similar viewpoints as Classical Liberalism, the difference lies in how a person arrived at their viewpoint—did they think themselves to their own conclusions, or did they take it on as their own viewpoint from another who imprinted it upon them, and now defend it through rationalizations?

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http://www.differencebetween.net/miscellaneous/difference-between-philosophy-and-ideology/