A car is typically intended for stereo playback, even with all of those speakers. The multiple speakers are simply meant to serve multiple zones/locations or frequency ranges. This is generally true for most sound systems with multiple speakers and fewer source channels -- if they're not serving other locations or frequencies, the speakers probably shouldn't be playing.
In the car, for example, there might be a speaker on the left/right front doors, as well as one each on the left/right rear doors. The left speakers would all be playing the same left signal, only each one is located to better serve the riders in the back or front seats. Additionally, some cars may have a smaller speaker higher up on the left and right side of the dashboard -- those are also playing the same left/right signal as the other speakers, but they are targeted at reproducing mid-high frequencies better, to give you more clarity at head/ear level (the door speakers are likely better suited for mid-lower frequencies). A subwoofer speaker would simply play the low frequency content, derived also from the stereo signal.
For home theatre sound system, it may depend on the mode the receiver is in. Typically, if you're just listening to stereo sound, it should only play back from the left and right speakers of the surround system (possibly also the sub). They may also play from the center speaker as a summed mono (L+R) signal.
However I've seen receivers with modes that you can set to play back the same stereo sound from all the speakers (rear L/R, etc...). Not the best idea for the intended "sit and listen" playback, as the similar soundwaves from the speakers can interfere with each other. You could however use that mode if you are using the system for a multi-location setup and have the other speakers located in another room, or perhaps if you're having a social gathering and need the sound to fill a room full of people without being too loud.