I'm not to sure about how to test it yourself, your calipers can drag against your rotors all the time making it hard to turn your rotor by hand BUT there is an allowance of how much drag there is supposed to be BUt I don't know what allowance it would be?
Try checking out this forums FAQ section and there are also other tips & tricks, There Always The First 4 Posts of each page Marked Important in RED.
Sorry I couldn't help you more.
Good Luck.
Ozzy

More Than Ever Now 2 Packs a day & climbing
Need My 4Runner Fixed , it's been off the road 3 months now, I thought it was fixed but it started acting up again, hesitation, no power & stalling. No one can figure it out