Hi Frank
Depends what you want the washer for.
Plain Washers, generally are used to protect the parts being bolted together and can allow a certain amount of movement between the parts. They also to some extent tend to spread the load and can take up small irregularities of the surfaces being joined, i.e. they can bend/deform when things are tightened. As KWIL says it gives a certain amount of protection to the paintwork/surface finish of the parts under the nut or bolt head.
Crinkle Washers are frequently used in areas where there might be some vibration and also they protect the parts being bolted together. They are a halfway house between plain and spring washers. They are normally thinner than plain washers but have a wavy profile that is compressed and the screw is tightened.
Spring Washers, these are used when there is likely to be a fair amount of vibration and are used to stop the nut/bolt unscrewing under these conditions. They actually dig into the surface of the material and the nut/screw and effectively form a sort of ratchet at the spring ends. As the name implies they are spring shape and often hardened to some degree.
Star Washers, these tend to be used where there are high levels of vibration and by their design are very aggressive in so much as they are frequently hardened and the many points dig into the parts being joined to form a multi-point ratchet. The surface of the material that has been screwed together under a star washer is normally pretty well chewed up or marked.
I know this is very basic but I hope it goes a little way to answering your question. I know that there are more qualified/experienced members of these forums that will be able to give you a better answer with a more detailed description as to where, when and why.
Cheers
Martin
Edited By Martin W on 08/12/2009 18:35:47