However, before resorting to a tool, check these things:
* Caliper is fully retracted: Make sure the caliper piston is fully compressed. If it's not, the caliper will be pressing against the rotor, preventing removal. You may need a C-clamp or specialized piston compression tool for this step. Never try to force the rotor off while the caliper is engaged.
* Rust or corrosion: Rust can weld the rotor to the hub. Penetrating oil (like PB Blaster) applied generously and allowed to soak for a while (even overnight) can help loosen things up. A hammer and punch *might* work to carefully break the corrosion, but be very cautious not to damage the rotor or hub.
* Correct orientation: Some rotors only fit one way. Double-check that you're trying to remove it from the correct side.
* Wheel studs: Ensure all the wheel studs are still firmly in place. A missing or damaged stud can make removal difficult.
If you've tried penetrating oil and a good amount of force (with the caliper retracted) and still can't remove the rotor, then a rotor puller is the next step. Improper tools or excessive force can damage your hub. If you're uncomfortable working on brakes, it's always best to consult a professional mechanic.