In most cases, this scenario is due to incorrect installation to the frame/fork or a lack of maintenance. Check to see if the calipers are properly bled and positioned correctly, the rotors are perfectly true and frame's suspension links are all in good condition. It is highly recommended that the mounting tabs on the frame and fork have been properly spot faced to ensure accurate alignment with the rotor. Because bicycles are designed to be light as possible, it is unavoidable to have small flex in the frames and wheels while riding. This small flex may be enough to make your rotor rub when you're coasting or pedaling. Depending on the riding conditions, disc brake calipers need cleaning and maintenance on a regular basis. Wet and muddy conditions will require a more frequent service interval than dry riding conditions. Also, inspect the disc brake pads for wear. Replace the pads when the pad material has worn to a thickness of 0.5mm or less.